CURO (CUROQ) 10-Q 6 May 19 2019 Q1 Quarterly report Financial data

DOCUMENT AND ENTITY INFORMATION

DOCUMENT AND ENTITY INFORMATION - shares	3 Months Ended
	Mar. 31, 2019	May 03, 2019
DOCUMENT AND ENTITY INFORMATION [Abstract]
Entity Registrant Name	CURO GROUP HOLDINGS CORP.
Entity Central Index Key	0001711291
Document Type	10-Q
Document Period End Date	Mar. 31, 2019
Amendment Flag	false
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q1
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Emerging Growth Company	false
Entity Small Business	false
Entity common stock shares outstanding (in shares)		46,442,628

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
ASSETS
Cash	$ 82,859	$ 61,175
Restricted cash (includes restricted cash of consolidated VIEs of $15,460 and $12,840 as of March 31, 2019 and December 31, 2018, respectively)	34,319	25,439
Gross loans receivable (includes loans of consolidated VIEs of $180,631 and $148,876 as of March 31, 2019 and December 31, 2018, respectively)	553,215	571,531
Less: allowance for loan losses (includes allowance for losses of consolidated VIEs of $22,764 and $12,688 as of March 31, 2019 and December 31, 2018, respectively)	(94,322)	(73,997)
Loans receivable, net	458,893	497,534
Right of use asset - operating leases (Note 1)	135,405
Deferred income taxes	5,014	1,534
Income taxes receivable	40,872	16,741
Prepaid expenses and other	36,511	43,588
Property and equipment, net	75,260	76,750
Goodwill	119,878	119,281
Other intangibles, net of accumulated amortization of $35,662 and $34,576 as of March 31, 2019 and December 31, 2018, respectively	29,968	29,784
Other	15,151	12,930
Assets from discontinued operations (Note 15)	0	34,861
Total Assets	1,034,130	919,617
LIABILITIES AND STOCKHOLDERS' EQUITY
Accounts payable and accrued liabilities	52,042	49,146
Deferred revenue	7,851	9,483
Lease liability - operating leases (Note 1)	143,412
Income taxes payable	4,425	1,579
Accrued interest (includes accrued interest of consolidated VIEs of $848 and $831 as of March 31, 2019 and December 31, 2018, respectively)	5,593	20,904
Liability for losses on CSO lender-owned consumer loans	8,662	12,007
Deferred rent		10,851
Long-term debt (includes long-term debt and issuance costs of consolidated VIEs of $92,718 and $3,803 as of March 31, 2019 and $111,335 and $3,856 as of December 31, 2018, respectively)	766,068	804,140
Subordinated stockholder debt	2,243	2,196
Other long-term liabilities	6,686	5,800
Deferred tax liabilities	404	13,730
Liabilities from discontinued operations (Note 15)	0	8,882
Total Liabilities	997,386	938,718
Commitments and contingencies (Note 13)
Stockholders' Equity
Preferred stock - $0.001 par value, 25,000,000 shares authorized; no shares were issued at either period end	0	0
Common Stock - $0.001 par value; 225,000,000 shares authorized; 46,431,289 and 46,412,231 issued and outstanding as of March 31, 2019 and December 31, 2018, respectively	9	9
Paid-in capital	62,117	60,015
Retained earnings (accumulated deficit)	18,983	(18,065)
Accumulated other comprehensive loss	(44,365)	(61,060)
Total Stockholders' Equity	36,744	(19,101)
Total Liabilities and Stockholders' Equity	$ 1,034,130	$ 919,617

CONDENSED CONSOLIDATED BALANC_2

CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Restricted cash	$ 34,319	$ 25,439
Total gross loans receivable	553,215	571,531
Allowance for losses	94,322	73,997
Accrued interest	5,593	20,904
Long-term debt (excluding current maturities)	766,068	804,140
Other intangibles accumulated amortization	$ 35,662	$ 34,576
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	225,000,000
Class A common stock, issued (in shares)	46,431,289	46,412,231
Class A common stock, outstanding (in shares)	46,431,289	46,412,231
Variable Interest Entity
Accrued interest	$ 848	$ 831
Restricted cash	15,460	12,840
Restricted cash		12,840
Total gross loans receivable	180,631	148,876
Allowance for losses	22,764	12,688
Accrued interest		831
Long-term debt (excluding current maturities)	92,718	111,335
Issuance costs	$ 3,803	$ 3,856

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Income Statement [Abstract]
Revenue	$ 277,939	$ 250,843
Provision for losses	102,385	76,883
Net revenue	175,554	173,960
Cost of providing services
Salaries and benefits	28,701	26,918
Occupancy	14,237	13,427
Office	5,113	6,453
Other costs of providing services	14,220	13,431
Advertising	7,786	7,885
Total cost of providing services	70,057	68,114
Gross margin	105,497	105,846
Operating expense
Corporate, district and other expenses	49,088	35,429
Interest expense	17,690	22,354
Loss on extinguishment of debt	0	11,683
Total operating expense	66,778	69,466
Income from continuing operations before income taxes	38,719	36,380
Provision for income taxes	10,046	11,467
Net income from continuing operations	28,673	24,913
Net income (loss) from discontinued operations	8,375	(1,621)
Net income	$ 37,048	$ 23,292
Weighted average common shares outstanding:
Basic (in shares)	46,424	45,506
Diluted (in shares)	47,319	47,416
Basic income (loss) per share:
Continuing operations (in dollars per share)	$ 0.62	$ 0.55
Discontinued operations (in dollars per share)	0.18	(0.04)
Basic earnings per share (in dollars per share)	0.80	0.51
Diluted income (loss) per share:
Continuing operations (in dollars per share)	0.61	0.53
Discontinued operations (in dollars per share)	0.18	(0.03)
Diluted earnings per share (in dollars per share)	$ 0.79	$ 0.50

CONDENSED CONSOLIDATED STATEM_2

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Statement of Comprehensive Income [Abstract]
Net income	$ 37,048	$ 23,292
Other comprehensive income (loss):
Cash flow hedges, net of $0 tax in both periods	0
Cash flow hedges, net of $0 tax in both periods		54
Foreign currency translation adjustment, net of $0 tax in both periods	16,695	(2,910)
Other comprehensive income (loss)	16,695	(2,856)
Comprehensive income	$ 53,743	$ 20,436

CONDENSED CONSOLIDATED STATEM_3

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Statement of Comprehensive Income [Abstract]
Cash flow hedges, tax effect	$ 0
Cash flow hedges, tax effect		$ 0
Foreign currency translation adjustment, tax effect	$ 0	$ 0

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018
Cash flows from operating activities
Net income from continuing operations		$ 28,673	$ 24,913
Adjustments to reconcile net income to net cash provided by continuing operating activities:
Depreciation and amortization		4,920	4,535
Provision for losses		102,385	76,883
Amortization of debt issuance costs and bond (premium)/discount		872	1,129
Deferred income tax benefit		(10,343)	(1,094)
Loss on disposal of property and equipment		991	478
Loss on extinguishment of debt		0	11,683
Increase in cash surrender value of life insurance		(723)	(1,482)
Share-based compensation expense		2,172	1,842
Changes in operating assets and liabilities:
Fees and service charges on loans receivable		1,937	5,093
Prepaid expenses and other assets		9,938	9,820
Other assets		(5,651)	(39)
Accounts payable and accrued liabilities		2,326	(3,172)
Deferred revenue		(1,709)	(1,709)
Income taxes payable		29,562	19,629
Income taxes receivable		(9,890)	(7,411)
Deferred rent		0	280
Accrued Interest		(15,329)	(19,084)
Other liabilities		868	449
Net cash provided by continuing operating activities		140,999	122,743
Net cash (used in) provided by discontinued operating activities		(504)	1,411
Net cash provided by operating activities		140,495	124,154
Cash flows from investing activities
Purchase of property, equipment and software		(3,119)	(1,542)
Loans receivable originated or acquired		(420,568)	(500,501)
Loans receivable repaid		355,621	444,148
Investments in Cognical Holdings		(1,568)	(958)
Net cash used in continuing investing activities		(69,634)	(58,853)
Net cash used in discontinued investing activities		(14,213)	(3,782)
Net cash used in investing activities		(83,847)	(62,635)
Cash flows from financing activities
Net proceeds from issuance of common stock		0	13,135
Payments on 12.00% Senior Secured Notes			(77,500)
Debt issuance costs paid		(199)	(71)
Proceeds from exercise of stock options		40	0
Payments to net share settle restricted stock units vesting		(37)	0
Net cash used in financing activities	[1]	(41,265)	(83,255)
Effect of exchange rate changes on cash and restricted cash		1,938	(4,360)
Net increase (decrease) in cash and restricted cash		17,321	(26,096)
Cash and restricted cash at beginning of period		99,857	174,491
Cash and restricted cash at end of period		117,178	148,395
Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		3,762
Payments on credit facilities		(24,831)	0
12% Senior Secured Notes
Cash flows from financing activities
Payments on 12.00% Senior Secured Notes		0	(77,500)
Senior Revolver
Cash flows from financing activities
Proceeds from credit facilities		30,478
Payments on credit facilities		(50,478)
Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		0	3,000
Payments on credit facilities		0	(12,519)
Revolving Credit Facility | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		3,762	0
Revolving Credit Facility | Senior Revolver | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities		30,478	10,000
Payments on credit facilities		$ (50,478)	$ (10,000)
[1]	(1) Financing activities include continuing operations only and were not impacted by discontinued operations

CONSOLIDATED STATEMENTS OF CA_2

CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical) - 12% Senior Secured Notes	Mar. 31, 2019	Nov. 30, 2017	Feb. 28, 2017
Stated interest rate (as percent)			12.00%
Senior Notes
Stated interest rate (as percent)	12.00%	12.00%

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS	3 Months Ended
	Mar. 31, 2019
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" 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., a wholly-owned subsidiary, and its directly and indirectly owned subsidiaries as a consolidated entity, except where otherwise stated. The Company has prepared the accompanying unaudited Condensed Consolidated Financial Statements in accordance with accounting principles generally accepted in the United States of America (“US GAAP”), and with the accounting policies described in its Annual Report on Form 10-K for the year ended December 31, 2018 ("2018 Form 10-K"). Certain information and note disclosures normally included in annual financial statements prepared in accordance with US GAAP have been condensed or omitted, although the Company believes that the disclosures are adequate to enable a reasonable understanding of the information presented. The unaudited Condensed Consolidated Financial Statements and the accompanying notes reflect all adjustments, which are, in the opinion of management, necessary to present fairly the Company's results of operations, financial position and cash flows for the periods presented. On February 25, 2019, the Company's U.K. segment was placed into administration, which resulted in treatment of the segment as discontinued operations for all periods presented. Throughout this Quarterly Report on Form 10-Q ("Form 10-Q"), current and prior period financial information is presented as if the U.K. segment was excluded from continuing operations. For further information about the placement of the segment into administration, refer to "--Nature of Operations" below. The Condensed Consolidated Financial Statements should be read in conjunction with the Consolidated Financial Statements and related Notes included in the 2018 Form 10-K. Interim results of operations are not necessarily indicative of results that may be expected for future interim periods or for the year ending December 31, 2019 . Principles of Consolidation The Condensed 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 Condensed 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 the Company made in the accompanying Condensed Consolidated Financial Statements include allowances for loan losses, certain assumptions related to goodwill and intangibles, accruals related to self-insurance, credit services organization ("CSO") liability for losses and estimated tax liabilities. Actual results may differ from those estimates. Nature of Operations CURO is 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 On February 25, 2019, the Company announced that a proposed Scheme of Arrangement ("SOA"), as described in the Company's Current Report on 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 and SRC Transatlantic Limited (collectively, “the U.K. Subsidiaries”), insolvency practitioners from KPMG were appointed as administrators (“Administrators”) for the U.K. Subsidiaries. The effect of the U.K. Subsidiaries’ entry into administration was to place their management, affairs, business and property under the direct control of the Administrators. Accordingly, the Company deconsolidated the U.K. Subsidiaries as of February 25, 2019 and presented the U.K. Subsidiaries as Discontinued Operations for all periods presented in this Form 10-Q. Open-End Loss Recognition Effective January 1, 2019, the Company modified the timeframe for which it charges-off Open-End loans and made related refinements to its loss provisioning methodology. Prior to January 1, 2019, the Company deemed Open-End loans uncollectible and charged-off when a customer missed a scheduled payment, at which point the loan was considered past-due. Because of the continuing shift to Open-End loans in Canada and analysis of payment patterns on early-stage versus late-stage delinquencies, the Company revised its estimates and now consider Open-End loans uncollectible when the loan has been contractually past-due for 90 consecutive days. Consequently, past-due Open-End loans and related accrued interest now remain in loans receivable for 90 days before being charged-off against the allowance for loan losses. All recoveries on charged-off loans are credited to the allowance for loan losses when received. The Company evaluates the adequacy of the allowance for loan losses compared to the related gross loans receivable balances that include accrued interest. The aforementioned change was treated as a change in accounting estimate and applied prospectively effective January 1, 2019. The change affects comparability to prior periods as follows: • Gross combined loans receivable: balances as of March 31, 2019 include $32.4 million of Open-End loans that are up to 90 days past-due with related accrued interest, while such balances for prior periods do not include any past-due loans. • Revenues: for the quarter ended March 31, 2019, revenues include accrued interest on past-due loan balances of $8.9 million , while revenues in prior periods do not include comparable amounts. • Provision for Losses : effective January 1, 2019, past-due, unpaid balances plus related accrued interest charge off on day 91. Provision expense is affected by total charge-offs less total recoveries ("NCOs") plus changes to the required allowance for loan losses. Because NCOs now include unpaid principal and up to 90 days of related accrued interest, as compared to prior periods, NCO amounts and rates are higher and the required Open-End Allowance for loan losses as a percentage of Open-End gross loans receivable is higher. The Open-End Allowance for loan losses as a percentage of Open-End gross loans receivable rose from 9.6% as of December 31, 2018, to 19.5% as of March 31, 2019. Correction of an Immaterial Error in Previously-Issued Financial Statements During the year ended December 31, 2018, the Company corrected immaterial errors to its prior presentation of cash flows for loan originations and collections on principal. The Company determined that the historical presentation was in error by not conforming to US GAAP because it included outflows for loan originations and receipts on collections in Cash provided by operating activities rather than in Cash used in investing activities. Accordingly the Company corrected previously-filed financial statements by reclassifying cash outflows for loan originations and receipts on collections of principal of $56.4 million from net Cash provided by operating activities to net Cash used in investing activities for the three months ended March 31, 2018. Total cash flows for each period presented did not change. The Company concluded that the errors were immaterial to the unaudited Condensed Consolidated Financial Statements included in the Company’s Quarterly Report on Form 10-Q for the three months ended March 31, 2018. The Company has revised its Condensed Consolidated Financial Statements for the three months ended March 31, 2018 presented in this Form 10-Q. A summary of the correction follows: (dollars in thousands) Three Months Ended March 31, 2018 As Reported: (1) Net cash provided by continuing operating activities $ 66,390 Net cash used in continuing investing activities (2,500 ) As Corrected: Net cash provided by continuing operating activities 122,743 Net cash used in continuing investing activities (58,853 ) (1) "As reported" balances include amounts from continuing operations historically presented within these captions. Recently Adopted Accounting Pronouncements ASU 2016-02 In February 2016, the Financial Accounting Standards Board ("FASB") established Topic 842, Leases, by issuing ASU No. 2016-02, which requires lessees to recognize leases on the balance sheet and disclose key information about leasing arrangements. The Company adopted ASU 2016-02 as of January 1, 2019, using the modified retrospective approach, which provides a method for recording existing leases at adoption and in comparative periods that approximates the results of a full retrospective approach. Adoption of the new standard resulted in the recording of right of use assets ("ROU assets") and additional operating lease liabilities ("lease liabilities") of $135.4 million and $143.4 million , respectively, as of March 31, 2019. Prepaid rent of $2.7 million and deferred liability of $10.9 million were included in ROU assets and lease liabilities, respectively. The standard did not materially impact the Company's consolidated net earnings. See Note 14 - "Leases" for additional information and disclosures required by Topic 842. ASU 2018-12 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"), which permits the reclassification to retained earnings of disproportionate tax effects in accumulated other comprehensive income (loss) caused by the Tax Cuts and Jobs Act of 2017 ("2017 Tax Act"). The Company adopted ASU 2018-02 as of January 1, 2019, which did not have a material impact on the Condensed Consolidated Financial Statements. SEC Disclosure Update In the third quarter of 2018, the U.S. Securities and Exchange Commission ("SEC") adopted final rules under SEC Release No. 33-10532, Disclosure Update and Simplification , amending certain disclosure requirements that had become redundant, duplicative, overlapping, outdated or superseded. Other than the amendment's expanded disclosure requirement for interim financial statements to disclose both current and comparative quarter and year-to-date reconciliations of changes in stockholders' equity, it did not have a material impact on the Company's Condensed Consolidated Financial Statements or Notes thereto for the three months ended March 31, 2019 , nor is it expected to have a material impact on the Company's annual disclosures or financial statements.

VARIABLE INTEREST ENTITIES

VARIABLE INTEREST ENTITIES	3 Months Ended
	Mar. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
VARIABLE INTEREST ENTITIES	VARIABLE INTEREST ENTITIES In August 2018, the Company closed on the Non-Recourse Canada SPV facility, whereby certain loan receivables were sold to wholly-owned, bankruptcy-remote special purposes subsidiaries ("VIEs") to collateralize debt incurred under the facility. As the Company is the primary beneficiary of the VIEs, the Company includes the assets and liabilities related to the VIEs in its Condensed Consolidated Financial Statements. As required, the Company parenthetically discloses on the 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 the Company's general credit. The carrying amounts of consolidated VIEs' assets and liabilities associated with the VIE subsidiaries were as follows: (in thousands) March 31, 2019 December 31, 2018 Assets Restricted cash $ 15,460 $ 12,840 Gross loans receivable less allowance for loan losses 157,867 136,187 Total Assets $ 173,327 $ 149,027 Liabilities Accounts payable and accrued liabilities $ 9,717 $ 4,980 Deferred revenue 44 40 Accrued interest 848 831 Long-term debt 88,915 107,479 Total Liabilities $ 99,524 $ 113,330

LOANS RECEIVABLE AND REVENUE

LOANS RECEIVABLE AND REVENUE	3 Months Ended
	Mar. 31, 2019
Receivables [Abstract]
LOANS RECEIVABLE AND REVENUE	LOANS RECEIVABLE AND REVENUE The following table summarizes revenue by product for the periods indicated: Three Months Ended March 31, (in thousands) 2019 2018 Unsecured Installment $ 135,778 $ 125,379 Secured Installment 27,477 26,856 Open-End 52,869 27,223 Single-Pay 46,761 60,357 Ancillary 15,054 11,028 Total revenue $ 277,939 $ 250,843 The following tables summarize Loans receivable by product and the related delinquent loans receivable at March 31, 2019: March 31, 2019 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Total Current loans receivable $ 69,753 $ 120,915 $ 67,375 $ 208,346 $ 466,389 Delinquent loans receivable — 40,801 13,581 32,444 86,826 Total loans receivable 69,753 161,716 80,956 240,790 553,215 Less: allowance for losses (3,897 ) (33,666 ) (9,796 ) (46,963 ) (94,322 ) Loans receivable, net $ 65,856 $ 128,050 $ 71,160 $ 193,827 $ 458,893 March 31, 2019 (in thousands) Unsecured Installment Secured Installment Open-End Total Delinquent loans receivable 0-30 days past due $ 13,455 $ 6,001 $ 12,423 $ 31,879 31-60 days past due 11,757 3,555 9,432 24,744 61-90 days past due 15,589 4,025 10,589 30,203 Total delinquent loans receivable $ 40,801 $ 13,581 $ 32,444 $ 86,826 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 $ 80,823 $ 141,316 $ 75,583 $ 207,333 $ 505,055 Delinquent loans receivable — 49,087 17,389 — 66,476 Total loans receivable 80,823 190,403 92,972 207,333 571,531 Less: allowance for losses (4,189 ) (37,716 ) (12,191 ) (19,901 ) (73,997 ) Loans receivable, net $ 76,634 $ 152,687 $ 80,781 $ 187,432 $ 497,534 December 31, 2018 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past due $ 17,850 $ 7,870 $ 25,720 31-60 days past due 14,705 4,725 19,430 61-90 days past due 16,532 4,794 21,326 Total delinquent loans receivable $ 49,087 $ 17,389 $ 66,476 The following tables summarize loans guaranteed by the Company under CSO programs and the related delinquent receivables at March 31, 2019: March 31, 2019 (in thousands) Unsecured Installment Secured Installment Total Current loans receivable guaranteed by the Company $ 51,773 $ 1,847 $ 53,620 Delinquent loans receivable guaranteed by the Company 7,967 284 8,251 Total loans receivable guaranteed by the Company 59,740 2,131 61,871 Less: Liability for losses on CSO lender-owned consumer loans (8,584 ) (78 ) (8,662 ) Loans receivable guaranteed by the Company, net $ 51,156 $ 2,053 $ 53,209 March 31, 2019 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past due $ 6,388 $ 228 $ 6,616 31-60 days past due 926 33 959 61-90 days past due 653 23 676 Total delinquent loans receivable $ 7,967 $ 284 $ 8,251 The following tables summarize loans guaranteed by the Company under 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 activity in the allowance for loan losses during the three months ended March 31, 2019 : Three Months Ended March 31, 2019 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 4,189 $ 37,716 $ 12,191 $ 19,901 $ — $ 73,997 Charge-offs (36,521 ) (44,237 ) (12,671 ) (3,638 ) (1,351 ) (98,418 ) Recoveries 27,911 6,318 3,123 5,159 898 43,409 Net charge-offs (8,610 ) (37,919 ) (9,548 ) 1,521 (453 ) (55,009 ) Provision for losses 8,268 33,845 7,153 25,317 453 75,036 Effect of foreign currency translation 50 24 — 224 — 298 Balance, end of period $ 3,897 $ 33,666 $ 9,796 $ 46,963 $ — $ 94,322 Allowance for loan losses as a percentage of gross loan receivables 5.6 % 20.8 % 12.1 % 19.5 % N/A 17.0 % The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the three months ended March 31, 2019 : Three Months Ended (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 11,582 $ 425 $ 12,007 Charge-offs (40,980 ) (1,076 ) (42,056 ) Recoveries 10,560 802 11,362 Net charge-offs (30,420 ) (274 ) (30,694 ) Provision for losses 27,422 (73 ) 27,349 Balance, end of period $ 8,584 $ 78 $ 8,662 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 three months ended March 31, 2019 : Three Months Ended March 31, 2019 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 4,189 $ 49,298 $ 12,616 $ 19,901 $ — $ 86,004 Charge-offs (36,521 ) (85,217 ) (13,747 ) (3,638 ) (1,351 ) (140,474 ) Recoveries 27,911 16,878 3,925 5,159 898 54,771 Net charge-offs (8,610 ) (68,339 ) (9,822 ) 1,521 (453 ) (85,703 ) Provision for losses 8,268 61,267 7,080 25,317 453 102,385 Effect of foreign currency translation 50 24 — 224 — 298 Balance, end of period $ 3,897 $ 42,250 $ 9,874 $ 46,963 $ — $ 102,984 The following table summarizes activity in the allowance for loan losses during the three months ended March 31, 2018 : Three Months Ended March 31, 2018 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 5,204 $ 38,977 $ 13,472 $ 6,426 $ — $ 64,079 Charge-offs (44,336 ) (35,219 ) (11,485 ) (20,349 ) (667 ) (112,056 ) Recoveries 32,818 5,218 2,866 9,377 39 50,318 Net charge-offs (11,518 ) (30,001 ) (8,619 ) (10,972 ) (628 ) (61,738 ) Provision for losses 9,892 24,739 6,786 11,428 628 53,473 Effect of foreign currency translation (64 ) (77 ) — (36 ) — (177 ) Balance, end of period $ 3,514 $ 33,638 $ 11,639 $ 6,846 $ — $ 55,637 Allowance for loan losses as a percentage of gross loan receivables 5.7 % 25.8 % 16.6 % 15.2 % N/A 18.1 % The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the three months ended March 31, 2018 : Three Months Ended March 31, 2018 (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 17,073 $ 722 $ 17,795 Charge-offs (41,719 ) (1,219 ) (42,938 ) Recoveries 10,976 1,169 12,145 Net charge-offs (30,743 ) (50 ) (30,793 ) Provision for losses 23,556 (146 ) 23,410 Balance, end of period $ 9,886 $ 526 $ 10,412 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 three months ended March 31, 2018 : Three Months Ended March 31, 2018 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 5,204 $ 56,050 $ 14,194 $ 6,426 $ — $ 81,874 Charge-offs (44,336 ) (76,938 ) (12,704 ) (20,349 ) (667 ) (154,994 ) Recoveries 32,818 16,194 4,035 9,377 39 62,463 Net charge-offs (11,518 ) (60,744 ) (8,669 ) (10,972 ) (628 ) (92,531 ) Provision for losses 9,892 48,295 6,640 11,428 628 76,883 Effect of foreign currency translation (64 ) (77 ) — (36 ) — (177 ) Balance, end of period $ 3,514 $ 43,524 $ 12,165 $ 6,846 $ — $ 66,049

CREDIT SERVICES ORGANIZATION

CREDIT SERVICES ORGANIZATION	3 Months Ended
	Mar. 31, 2019
Guarantees [Abstract]
CREDIT SERVICES ORGANIZATION	CREDIT SERVICES ORGANIZATION The CSO fee receivable amounts under CSO programs were $11.0 million and $14.3 million at March 31, 2019 and December 31, 2018 , respectively. The Company bears the risk of loss through its guarantee to purchase specific customer loans that are in default from the lenders. The terms of these loans range from six to 18 months. See the 2018 Form 10-K for further details of the Company's accounting policy. As of March 31, 2019 and December 31, 2018 , the maximum amount payable under all such guarantees was $51.6 million and $66.9 million , respectively. If the Company is required to pay any portion of the total amount of the loans it has guaranteed, it will attempt to recover some or the entire amount from the applicable customers. The Company holds no collateral in respect of the guarantees. The Company estimates 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 it recognizes for its consumer loans. Liability for incurred losses on CSO loans Guaranteed by the Company was $8.7 million and $12.0 million at March 31, 2019 and December 31, 2018 , respectively. The Company placed $13.5 million and $17.2 million in collateral accounts for the benefit of lenders at March 31, 2019 and December 31, 2018 , respectively, which is reflected in "Prepaid expenses and other" in the Condensed Consolidated Balance Sheets. The balances required to be maintained in these collateral accounts vary by lender, 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 the Company and each such lender.

LONG-TERM DEBT

LONG-TERM DEBT	3 Months Ended
	Mar. 31, 2019
Debt Disclosure [Abstract]
LONG-TERM DEBT	LONG-TERM DEBT Long-term debt consisted of the following: (in thousands) March 31, 2019 December 31, 2018 8.25% Senior Secured Notes (due 2025) $ 677,153 $ 676,661 Non-Recourse Canada SPV Facility 88,915 107,479 Senior Revolver — 20,000 Long-term debt $ 766,068 $ 804,140 8.25% Senior Secured Notes In August 2018, the Company issued 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, the balance of capitalized financing costs of approximately $12.8 million , net of amortization, is included in the Condensed Consolidated Balance Sheets as a component of "Long-term debt." These costs are amortized over the term of the 8.25% Senior Secured Notes as a component of interest expense. The proceeds of this issuance were used (i) to redeem the outstanding 12.00% Senior Secured Notes of CFTC, (ii) to repay the outstanding indebtedness under the five -year revolving credit facility of CURO Receivables Finance I, LLC, a 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 March 31, 2019 and December 31, 2018, the Company was 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 March 1, 2022. In connection with these 12.00% Senior Secured Notes, the Company capitalized financing costs, of approximately $18.3 million . These costs were being amortized over the term of the 12.00% Senior Secured Notes 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 the Company's initial public offering as required by the underlying indenture (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. The Redemption price and the amortization of a corresponding portion of the capitalized financing costs resulted in a loss on Redemption of $11.7 million for the three months ended March 31, 2018. 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 using proceeds from 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. Non-Recourse Canada SPV Facility On August 2, 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 0.50% per annum commitment fee on the unused portion of the commitments. In April 2019, the facility's maturity date was extended one year and now matures in 2023. As of March 31, 2019 , the Canada SPV Borrower was in full compliance with the covenants and other provisions of the Non-Recourse Canada SPV Facility. As of March 31, 2019 , outstanding borrowings under the Non-Recourse Canada SPV Facility were $88.9 million . For further information on the Non-Recourse Canada SPV, refer to Note 2, "Variable Interest Entities." 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 revolving borrowing capacity that can expand over time (collectively, “Non-Recourse U.S. SPV Facility”). Borrowings under this facility 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. The SPV Borrower also pays a 0.50% per annum commitment fee on the unused portion of the commitments. In connection with this facility, the balance of capitalized financing costs of approximately $5.3 million , net of amortization, was included in the Condensed Consolidated Balance Sheet as a component of "Long-term debt" and was being amortized over the term of the Non-Recourse U.S. SPV Facility. On September 30, 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, the Company extinguished the remaining term loan balance of $80.0 million and made the final termination payment of $2.7 million , resulting in a loss on the extinguishment of debt of $9.7 million for the year ended December 31, 2018. Senior Revolver On September 1, 2017, the Company 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 the 12.00% Senior Secured Notes and complements the Company's 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 subsidiaries that guarantee the 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 the 8.25% Senior Secured Notes. The revolver was undrawn at March 31, 2019 . 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 obligations under the Senior Revolver. As of March 31, 2019 , the Company was in full compliance with the covenants and other provisions of the Senior Revolver. Cash Money Revolving Credit Facility Cash Money Cheque Cashing, Inc., a Canadian subsidiary ("Cash Money"), maintains a C $10.0 million revolving credit facility with Royal Bank of Canada (the "Cash Money Revolving Credit Facility"), which provides short-term liquidity required to meet the working capital needs of the Company's 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 $10.0 million . As of March 31, 2019 , the borrowing capacity under the Cash Money 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 March 31, 2019 and December 31, 2018. Subordinated Stockholder Debt As part of the acquisition of Cash Money in 2011, the Company was provided indemnification for certain claims through issuance of an escrow note to the seller. 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 March 31, 2019 and December 31, 2018 was $2.2 million .

SHARE-BASED COMPENSATION

SHARE-BASED COMPENSATION	3 Months Ended
	Mar. 31, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
SHARE-BASED COMPENSATION	SHARE-BASED COMPENSATION The Company's stockholder-approved 2017 Incentive Plan provides for the issuance of up to 5.0 million shares, subject to certain adjustment provisions, which may be issued in the form of stock options, restricted stock awards, restricted stock units (“RSUs”), stock appreciation rights, performance awards and other awards that may be settled in or based upon common stock. Awards may be granted to officers, employees, consultants and directors. The 2017 Incentive Plan provides that shares of common stock subject to awards granted become available for re-issuance if such awards expire, terminate, are canceled for any reason or are forfeited by the recipient. In March 2019, the Company awarded performance-based RSUs that will vest if certain performance conditions are met by the Company. These RSUs were designed to drive the performance of the management team toward achievement of key corporate objectives and will only vest if the performance targets are met by March 14, 2022. Expense recognition for the performance awards, which was immaterial to the first quarter of 2019, commences if and when it is determined that attainment of the performance goal is probable. RSUs that have time-based vesting are typically valued at the date of grant based on the value of the Company's common stock and are expensed using the straight-line method over the service period. RSUs that require the achievement of a performance condition to vest are typically valued using the Monte Carlo simulation pricing model. 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. Unvested shares of 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 status of time-based and performance-based RSUs as of March 31, 2019 and changes during the three months ended March 31, 2019 are presented in the following table: Number of RSUs Time-Based Performance-Based Weighted Average Grant Date Fair Value per Share December 31, 2018 1,060,350 — $ 14.29 Granted 434,272 394,752 9.93 Vested (17,406 ) — 15.94 Forfeited (68,778 ) — 14.05 March 31, 2019 1,408,438 394,752 $ 12.28 Share-based compensation expense during the three months ended March 31, 2019 and 2018 , which includes compensation costs from stock options and RSUs was $2.1 million and $1.8 million , respectively, and is included in the Condensed Consolidated Statements of Operations as a component of "Corporate, district and other" expense. As of March 31, 2019 , there was $20.4 million of total unrecognized compensation cost related to stock options and RSUs, of which $17.1 million related to stock options and time-based RSUs and $3.3 million related to performance-based RSUs. Total unrecognized compensation costs will be recognized over a weighted-average period of 2.2 years .

INCOME TAXES

INCOME TAXES	3 Months Ended
	Mar. 31, 2019
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The Company's effective income tax rate from continuing operations was 25.9% and 31.5% for the three months ended March 31, 2019 and 2018 , respectively. On December 22, 2017, the 2017 Tax Act became law, which reduced the statutory U.S. Federal corporate income tax rate from 35% to 21%, enacted a one-time “deemed repatriation” tax on unremitted earnings accumulated in non-U.S. jurisdictions and imposed a new minimum tax on global intangible low-taxed income ("GILTI"). The Company provided an estimate of the deemed repatriation tax as of December 31, 2017 and pursuant to further IRS guidance, the Company recorded an additional accrual of $1.2 million during the three months ended March 31, 2018. The Company recorded an estimated GILTI tax of $0.4 million and $0.6 million during the three months ended March 31, 2019 and 2018 , respectively. The Company intends to reinvest Canada earnings indefinitely in its Canadian operations and therefore has not provided for any non-U.S. withholding tax that would be assessed on dividend distributions. If the earnings of $165.8 million were distributed to the U.S., the Company would be subject to Canadian withholding taxes of estimated $8.3 million . In the event the earnings were distributed to the U.S., the Company would adjust the income tax provision for the applicable period and would determine the amount of foreign tax credit that would be available.

FINANCIAL INSTRUMENTS

FINANCIAL INSTRUMENTS	3 Months Ended
	Mar. 31, 2019
Fair Value Disclosures [Abstract]
FINANCIAL INSTRUMENTS	FINANCIAL INSTRUMENTS 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. The Company is 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 the Company's 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 the Company 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 the Company has 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 the Company's own judgments about the assumptions market participants would use in pricing the asset or liability since limited market data exists. The Company develops these inputs based on the best information available, including its own data. Financial Assets and Liabilities Not Carried at Fair Value The table below presents the assets and liabilities that were not carried at fair value on the Condensed Consolidated Balance Sheets at March 31, 2019 : Estimated Fair Value (in thousands) Carrying Value March 31, Level 1 Level 2 Level 3 March 31, 2019 Financial assets: Cash $ 82,859 $ 82,859 $ — $ — $ 82,859 Restricted cash 34,319 34,319 — — 34,319 Loans receivable, net 458,893 — — 458,893 458,893 Investment in Cognical 6,558 — — 6,558 6,558 Financial liabilities: Liability for losses on CSO lender-owned consumer loans $ 8,662 $ — $ — $ 8,662 $ 8,662 8.25% Senior Secured Notes 677,153 — — 580,659 580,659 Non-Recourse Canada SPV facility 88,915 — — 92,718 92,718 The table below presents the assets and liabilities that were not carried at fair value on the Condensed Consolidated Balance Sheets 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 $ 61,175 $ 61,175 $ — $ — $ 61,175 Restricted cash 25,439 25,439 — — 25,439 Loans receivable, net 497,534 — — 497,534 497,534 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 Loans receivable are carried on the Condensed 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 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 CSO programs, the Company guarantees consumer loan payment obligations to unrelated third-party lenders for loans that the Company arranges for consumers on the third-party lenders’ behalf. The Company is required to purchase from the lender defaulted loans that it has guaranteed. The fair value of the 8.25% Senior Secured Notes was based on broker quotations. The fair values of the Non-Recourse Canada SPV facility and the Senior Revolver were based on the cash needed for their respective final settlements.

STOCKHOLDERS' EQUITY

STOCKHOLDERS' EQUITY	3 Months Ended
	Mar. 31, 2019
Equity [Abstract]
STOCKHOLDERS' EQUITY	STOCKHOLDERS' EQUITY In connection with the Company's initial public offering in December 2017, the underwriters had a 30 -day option to purchase up to an additional 1.0 million shares of the Company's common stock at the initial public offering price, less the underwriting discount for over-allotments, if any. The underwriters exercised this option and purchased 1.0 million shares on January 5, 2018 . The exercise of this option provided additional proceeds of $13.1 million . The following table summarizes the changes in stockholders' equity for the three months ended March 31, 2018 and 2019: Common Stock Paid-in capital Retained Earnings (Deficit) AOCI (1) Total Stockholders' Equity (dollars in thousands) Shares Outstanding Par Value Balances at December 31, 2017 44,561,419 $ 8 $ 46,079 $ 3,988 $ (42,939 ) $ 7,136 Net income from continuing operations — — — 24,913 — 24,913 Net loss from discontinued operations — — — (1,621 ) — (1,621 ) Foreign currency translation adjustment — — — — (2,910 ) (2,910 ) Cash flow hedge expiration — — — — 54 54 Share based compensation expense — — 1,842 — — 1,842 Initial Public Offering, Net Proceeds (underwriter shares) 1,000,000 1 13,135 — — 13,136 Balances at March 31, 2018 45,561,419 $ 9 $ 61,056 $ 27,280 $ (45,795 ) $ 42,550 (1) Accumulated other comprehensive income (loss) Common Stock Paid-in capital Retained Earnings (Deficit) AOCI (1) Total Stockholders' Equity (dollars in thousands) Shares Outstanding Par Value Balances at December 31, 2018 46,412,231 $ 9 $ 60,015 $ (18,065 ) $ (61,060 ) $ (19,101 ) Net income from continuing operations — — — 28,673 — 28,673 Net income from discontinued operations — — — 8,375 — 8,375 Foreign currency translation adjustment — — — — 16,695 16,695 Share based compensation expense — — 2,172 — — 2,172 Proceeds from exercise of stock options 7,888 — 40 — — 40 Common stock issued for RSU's vesting, net of shares withheld and withholding paid for employee taxes 11,170 — (110 ) — — (110 ) Balances at March 31, 2019 46,431,289 $ 9 $ 62,117 $ 18,983 $ (44,365 ) $ 36,744 (1) Accumulated other comprehensive income (loss)

EARNINGS PER SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2019
Earnings Per Share [Abstract]
EARNINGS PER SHARE	EARNINGS PER SHARE The following table presents the computation of basic and diluted earnings per share (in thousands, except per share amounts): Three Months Ended 2019 2018 Net income from continuing operations $ 28,673 $ 24,913 Net income (loss) from discontinued operations, net of tax 8,375 (1,621 ) Net income $ 37,048 $ 23,292 Weighted average common shares - basic 46,424 45,506 Dilutive effect of stock options and restricted stock units 895 1,910 Weighted average common shares - diluted 47,319 47,416 Basic income (loss) per share: Continuing operations $ 0.62 $ 0.55 Discontinued operations 0.18 (0.04 ) Basic income per share $ 0.80 $ 0.51 Diluted income (loss) per share: Continuing operations $ 0.61 $ 0.53 Discontinued operations 0.18 (0.03 ) Diluted income per share $ 0.79 $ 0.50 Potential shares of common stock 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 three months ended March 31, 2019 , there were 1.4 million potential shares of common stock excluded from the calculation of diluted earnings per share because their effect was anti-dilutive. There was no effect for the three months ended March 31, 2018 . The Company utilizes the "control number" concept in the computation of Diluted earnings per share to determine whether potential common stock instruments are dilutive. The control number used is income from continuing operations. The control number concept requires that the same number of potentially dilutive securities applied in computing diluted earnings per share from continuing operations be applied to all other categories of income or loss, regardless of their anti-dilutive effect on such categories.

SUPPLEMENTAL CASH FLOW INFORMAT

SUPPLEMENTAL CASH FLOW INFORMATION	3 Months Ended
	Mar. 31, 2019
Supplemental Cash Flow Elements [Abstract]
SUPPLEMENTAL CASH FLOW INFORMATION	SUPPLEMENTAL CASH FLOW INFORMATION The following table provides supplemental cash flow information: Three Months Ended (dollars in thousands) 2019 2018 Cash paid for: Interest $ 32,195 $ 40,225 Income taxes 1,456 4,431 Non-cash investing activities: Property and equipment accrued in accounts payable $ 349 $ 317

SEGMENT REPORTING

SEGMENT REPORTING	3 Months Ended
	Mar. 31, 2019
Segment Reporting [Abstract]
SEGMENT REPORTING	SEGMENT REPORTING Segment information is prepared on the same basis that the Company's chief operating decision maker ("CODM") reviews financial information for operational decision making purposes. During the first quarter of 2019, the U.K. subsidiaries met discontinued operations criteria, resulting in two reportable operating segments: the U.S. and Canada. Management’s evaluation of 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 the Condensed Consolidated Financial Statements. The following table illustrates summarized financial information concerning reportable segments. Three Months Ended (dollars in thousands) 2019 2018 Revenues by segment: U.S. $ 226,119 $ 204,593 Canada 51,820 46,250 Consolidated revenue $ 277,939 $ 250,843 Gross margin by segment: U.S. $ 89,803 $ 91,344 Canada 15,694 14,502 Consolidated gross margin $ 105,497 $ 105,846 Segment operating income: U.S. $ 31,195 $ 26,832 Canada 7,524 9,548 Consolidated operating profit $ 38,719 $ 36,380 Expenditures for long-lived assets by segment: U.S. $ 2,430 $ 788 Canada 689 754 Consolidated expenditures for long-lived assets $ 3,119 $ 1,542 The following table provides gross loans receivable by segment: (dollars in thousands) March 31, December 31, U.S. $ 321,534 $ 361,473 Canada 231,681 210,058 Total gross loans receivable $ 553,215 $ 571,531 The following table provides 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: (dollars in thousands) March 31, 2019 December 31, 2018 U.S. $ 46,360 $ 47,918 Canada 28,900 28,832 Total net long-lived assets $ 75,260 $ 76,750 The Company's CODM 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	3 Months Ended
	Mar. 31, 2019
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 the Company and its 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 the Company 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 investors who purchased Company common stock between July 31, 2018 and October 24, 2018. Plaintiffs allege generally that, during the putative class period, the Company made misleading statements and omitted material information regarding its efforts to transition the Canadian inventory of products from Single-Pay loans to Open-End loans. Plaintiffs assert that the Company and the individual defendants made these misstatements and omissions to keep the stock price high. Plaintiffs seek unspecified damages and other relief. While the Company is vigorously contesting this lawsuit, it 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, 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 results because of defense costs, including costs related to indemnification obligations, diversion of resources and other factors. Related to this securities litigation matter, the Company has also received an inquiry from the SEC regarding the Company's public disclosures surrounding its efforts to transition the Canadian inventory of products from Single-Pay loans to Open-End loans. City of Austin The Company was 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 the Company's credit access bureau ("CAB") program, including loan sizes and repayment terms. The Company believes that: (i) the Austin ordinance (similar to its counterparts elsewhere in Texas) conflicts with Texas state law and (ii) in any event, the Company's product complies with the ordinance, when the ordinance is properly construed. The Austin Municipal Court agreed with the Company's position that the ordinance conflicts with Texas law and, accordingly, did not address the 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 have not been scheduled. The Company does not anticipate having a final determination of the lawfulness of its 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 the Company to restructure the loans it originates in Austin and elsewhere in Texas. Other Legal Matters The Company is a defendant in certain litigation matters encountered in the ordinary course of business. Certain of these matters may be covered to an extent by 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 litigation matters, either individually or in the aggregate, would have a material adverse effect on the Company's consolidated financial condition, results of operations or cash flows.

LEASES

LEASES	3 Months Ended
	Mar. 31, 2019
Leases [Abstract]
LEASES	LEASES The Company entered into operating leases for the buildings in which it operates that expire at various times through 2040. The Company determines if an arrangement is a lease at inception. Operating leases are included in "Right of use asset - operating leases" and "Lease liability - operating leases" in the Condensed Consolidated Balance Sheets. The Company currently has finance leases which in the aggregate are immaterial and not presented in the Condensed Consolidated Balance Sheets. ROU assets and lease liabilities are recognized based on the present value of lease payments over the lease term at commencement date. As most of the Company’s leases do not provide an implicit rate of return, the Company uses its incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. The majority of the leases have an original term of five years with two , five -year renewal options. For purposes of calculating operating lease liabilities, lease terms may be deemed to include options to extend or terminate the lease when it is reasonably certain that the Company will exercise that option. Most of the leases have escalation clauses and several also require payment of certain period costs, including maintenance, insurance and property taxes. The Company's lease agreements do not contain any material residual value guarantees or material restrictive covenants. The Company had operating lease costs of approximately $8.5 million for the period ended March 31, 2019 . Some of the leases are with related parties and have terms similar to the non-related party leases previously described. Operating lease costs on unrelated third-party leases was $7.6 million and for related party leases was $0.8 million for the three months ended March 31, 2019 . During the three months ended March 31, 2019 , cash paid for amounts included in the measurement of the liabilities and the operating cash flows was $8.6 million . The following table summarizes the future minimum lease payments that the Company is contractually obligated to make under operating leases as of March 31, 2019: (in thousands) Third-Party Related-Party Total 2019 $ 23,222 $ 2,764 $ 25,986 2020 30,338 3,773 34,111 2021 29,918 3,875 33,793 2022 28,906 3,743 32,649 2023 24,411 1,299 25,710 Thereafter 40,326 1,114 41,440 Total 177,121 16,568 193,689 Less: Imputed interest (46,823 ) (3,429 ) (50,252 ) Operating lease liabilities $ 130,298 $ 13,139 $ 143,437 As of March 31, 2019, the weighted average remaining lease term was 6.1 years , and the weighted average operating discount rate used to determine the operating lease liability was 10.3% .

DISCONTINUED OPERATIONS

DISCONTINUED OPERATIONS	3 Months Ended
	Mar. 31, 2019
Discontinued Operations and Disposal Groups [Abstract]
DISCONTINUED OPERATIONS	DISCONTINUED OPERATIONS On 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 for the U.K. Subsidiaries. The effect of the U.K. Subsidiaries’ entry into administration was to place their management, affairs, business and property of the U.K. Subsidiaries under the direct control of the Administrators. Accordingly, the Company deconsolidated the U.K. Subsidiaries, which comprised the U.K. reportable operating segment, as of February 25, 2019 and are classified as Discontinued Operations for all periods presented. The following table presents financial results of the U.K. Subsidiaries, which meet the criteria of Discontinued Operations and, therefore, are excluded from the Company's results of continuing operations: Three Months Ended (in thousands) 2019 (1) 2018 Revenue $ 6,957 $ 10,915 Provision for losses 1,703 4,148 Net revenue 5,254 6,767 Cost of providing services Office 246 528 Other costs of providing services 61 969 Advertising 775 1,871 Total cost of providing services 1,082 3,368 Gross margin 4,172 3,399 Operating expense (income) Corporate, district and other 3,810 5,025 Interest income (4 ) (5 ) Total operating expense 3,806 5,020 Income (loss) from operations of discontinued operations 366 (1,621 ) Gain on disposal of discontinued operations, net of estimated income tax benefit of $47,423 8,009 — Income from discontinued operations $ 8,375 $ (1,621 ) (1) Includes U.K. Subsidiaries financial results from January 1, 2019 to February 25, 2019. The following table presents the aggregate carrying amounts of the assets and liabilities of the U.K. Subsidiaries: (in thousands) March 31, December 31, ASSETS Cash $ — $ 9,859 Restricted cash — 3,384 Gross loans receivable — 25,256 Less: allowance for loan losses — (5,387 ) Loans receivable, net — 19,869 Prepaid expenses and other — 1,482 Other — 267 Total assets classified as discontinued operations in the Condensed Consolidated Balance Sheets $ — $ 34,861 LIABILITIES AND STOCKHOLDERS' EQUITY Accounts payable and accrued liabilities $ — $ 8,136 Deferred revenue — 180 Accrued interest — (5 ) Deferred rent — 149 Other long-term liabilities — 422 Total liabilities classified as discontinued operations in the Condensed Consolidated Balance Sheets $ — $ 8,882 The following table presents cash flows of the U.K. Subsidiaries: Three Months Ended (in thousands) 2019 (1) 2018 Net cash (used in) / provided by discontinued operating activities $ (504 ) $ 1,411 Net cash used in discontinued investing activities (14,213 ) (3,782 ) Net cash used in discontinued financing activities — — (1) Includes U.K. Subsidiaries financial results from January 1, 2019 to February 25, 2019.

CONDENSED CONSOLIDATING FINANCI

CONDENSED CONSOLIDATING FINANCIAL INFORMATION	3 Months Ended
	Mar. 31, 2019
Condensed Financial Information Disclosure [Abstract]
CONDENSED CONSOLIDATING FINANCIAL INFORMATION	CONDENSED CONSOLIDATING FINANCIAL INFORMATION In August 2018, CGHC 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 5, "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 5. "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 the Company's initial public offering, to redeem the 12.00% Senior Secured Notes. In November 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 the Company, CFTC’s sole stockholder, and ultimately the Company's 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 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. In February 2017, CFTC issued $470.0 million aggregate principal amount 12.00% Senior Secured Notes, the proceeds of which were used together with available cash, to (i) redeem the outstanding 10.75% Senior Secured Notes due 2018 of CURO Intermediate, (ii) redeem the outstanding 12.00% Senior Cash Pay Notes due 2017 and (iii) pay fees, expenses, premiums and accrued interest in connection with the offering. CFTC sold the Senior Secured Notes 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) The Company's subsidiary guarantors, which are comprised of its domestic subsidiaries, including CFTC as the issuer of the 12.00% Senior Secured Notes that were redeemed in August 2018, CURO Intermediate, 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) The Company's 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 subsidiaries; (v) The Company and its subsidiaries on a consolidated basis. Condensed Consolidating Balance Sheets March 31, 2019 (dollars in thousands) Subsidiary Guarantors Subsidiary Non-Guarantors Canada SPV CURO Eliminations CURO Assets: Cash $ 62,729 $ 20,130 $ — $ — $ — $ 82,859 Restricted cash 15,775 3,084 15,460 — — 34,319 Loans receivable, net 254,622 46,403 157,868 — — 458,893 Right of use asset - operating leases 74,840 60,565 — — — 135,405 Deferred income taxes (6,445 ) 5,014 — 6,445 — 5,014 Income taxes receivable — — — 40,872 — 40,872 Prepaid expenses and other 30,459 6,052 — — — 36,511 Property and equipment, net 46,360 28,900 — — — 75,260 Goodwill 91,131 28,747 — — — 119,878 Other intangibles, net 8,165 21,803 — — — 29,968 Intercompany receivable 74,174 — — — (74,174 ) — Investment in subsidiaries — — — (36,075 ) 36,075 — Other 14,473 678 — — — 15,151 Total assets $ 666,283 $ 221,376 $ 173,328 $ 11,242 $ (38,099 ) $ 1,034,130 Liabilities and Stockholders' equity: Accounts payable and accrued liabilities $ 39,420 $ 2,886 $ 9,717 $ 19 $ — $ 52,042 Deferred revenue 4,574 3,233 44 — — 7,851 Lease liability - operating leases 82,667 60,745 — — — 143,412 Income taxes payable (26,737 ) 4,425 — 26,737 — 4,425 Accrued interest 2 — 847 4,744 — 5,593 Payable to CURO Holdings Corp. 738,730 — — (738,730 ) — — CSO liability for losses 8,662 — — — — 8,662 Long-term debt (excluding current maturities) — — 88,915 677,153 — 766,068 Subordinated shareholder debt — 2,243 — — — 2,243 Intercompany payable — 337 73,837 — (74,174 ) — Other liabilities 5,942 744 — — — 6,686 Deferred tax liabilities (4,171 ) — — 4,575 — 404 Total liabilities 849,089 74,613 173,360 (25,502 ) (74,174 ) 997,386 Stockholder’s equity (182,806 ) 146,763 (32 ) 36,744 36,075 36,744 Total liabilities and stockholder’s equity $ 666,283 $ 221,376 $ 173,328 $ 11,242 $ (38,099 ) $ 1,034,130 December 31, 2018 (dollars in thousands) Subsidiary Subsidiary Canada SPV CURO Eliminations CURO Assets: Cash $ 42,403 $ 18,772 $ — $ — $ — $ 61,175 Restricted cash 9,993 2,606 12,840 — — 25,439 Loans receivable, net 304,542 56,805 136,187 — — 497,534 Deferred income taxes — 1,534 — — — 1,534 Income taxes receivable 7,190 — — 9,551 — 16,741 Prepaid expenses and other 37,866 5,722 — — — 43,588 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 — — — (77,009 ) — Investment in subsidiaries — — — (101,665 ) 101,665 — Other 12,253 677 — — — 12,930 Assets from discontinued operations — 2,406 — — 32,455 34,861 Total assets $ 638,723 $ 166,870 $ 149,027 $ (92,114 ) $ 57,111 $ 919,617 Liabilities and Stockholder's equity: Accounts payable and accrued liabilities $ 38,240 $ 5,734 $ 4,980 $ 192 $ — $ 49,146 Deferred revenue 5,981 3,462 40 — — 9,483 Income taxes payable — 1,579 — — — 1,579 Accrued interest 149 — 831 19,924 — 20,904 Payable to CURO Holdings Corp. 768,345 — — (768,345 ) — — CSO liability for losses 12,007 — — — — 12,007 Deferred rent 9,559 1,292 — — — 10,851 Long-term debt 20,000 — 107,479 676,661 — 804,140 Subordinated shareholder debt — 2,196 — — — 2,196 Intercompany payable — 224 44,330 — (44,554 ) — Other liabilities 4,967 833 — — — 5,800 Deferred tax liabilities 15,175 — — (1,445 ) — 13,730 Liabilities from discontinued operations — 8,882 — — — 8,882 Total liabilities 874,423 24,202 157,660 (73,013 ) (44,554 ) 938,718 Stockholder’s equity (235,700 ) 142,668 (8,633 ) (19,101 ) 101,665 (19,101 ) Total liabilities and stockholder’s equity $ 638,723 $ 166,870 $ 149,027 $ (92,114 ) $ 57,111 $ 919,617 Condensed Consolidating Statements of Operations Three Months Ended March 31, 2019 (dollars in thousands) Subsidiary Subsidiary Canada SPV CURO Eliminations CURO Revenue $ 226,119 $ 26,774 $ 25,046 $ — $ — $ 277,939 Provision for losses 84,980 4,099 13,306 — — 102,385 Net revenue 141,139 22,675 11,740 — — 175,554 Cost of providing services: Salaries and benefits 19,951 8,750 — — — 28,701 Occupancy 8,010 6,227 — — — 14,237 Office 3,889 1,224 — — — 5,113 Other costs of providing services 13,132 1,088 — — — 14,220 Advertising 6,354 1,432 — — — 7,786 Total cost of providing services 51,336 18,721 — — — 70,057 Gross margin 89,803 3,954 11,740 — — 105,497 Operating (income) expense: Corporate, district and other 41,538 5,183 25 2,342 — 49,088 Intercompany management fee (3,403 ) 3,395 8 — — — Interest expense 290 71 2,891 14,438 — 17,690 Intercompany interest (income) expense (1,071 ) 1,071 — — — — Total operating expense 37,354 9,720 2,924 16,780 — 66,778 Income (loss) from continuing operations before income taxes 52,449 (5,766 ) 8,816 (16,780 ) — 38,719 Provision (benefit) for income tax expense 14,020 1,034 — (5,008 ) — 10,046 Net income (loss) from continuing operations 38,429 (6,800 ) 8,816 (11,772 ) — 28,673 Net loss on discontinued operations — 8,375 — — — 8,375 Net (loss) income 38,429 1,575 8,816 (11,772 ) — 37,048 Equity in net income (loss) of subsidiaries: CFTC — — — 48,820 (48,820 ) — Guarantor Subsidiaries 38,429 — — — (38,429 ) — Non-Guarantor Subsidiaries 1,575 — — — (1,575 ) — SPV Subs 8,816 — — — (8,816 ) — Net income (loss) attributable to CURO $ 87,249 $ 1,575 $ 8,816 $ 37,048 $ (97,640 ) $ 37,048 Three Months Ended March 31, 2018 (dollars in thousands) CFTC CURO Intermediate Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs Eliminations CFTC Consolidated CURO Eliminations CURO Consolidated Revenue $ — $ — $ 128,408 $ 46,250 $ 76,185 $ — $ 250,843 $ — $ — $ 250,843 Provision for losses — — 35,769 12,550 28,564 — 76,883 — — 76,883 Net revenue — — 92,639 33,700 47,621 — 173,960 — — 173,960 Cost of providing services: Salaries and benefits — — 18,018 8,900 — — 26,918 — — 26,918 Occupancy — — 7,646 5,781 — — 13,427 — — 13,427 Office — — 5,582 871 — — 6,453 — — 6,453 Other store operating expenses — — 12,030 920 481 — 13,431 — — 13,431 Advertising — — 5,159 2,726 — — 7,885 — — 7,885 Total cost of providing services — — 48,435 19,198 481 — 68,114 — — 68,114 Gross Margin — — 44,204 14,502 47,140 — 105,846 — — 105,846 Operating (income) expense: Corporate, district and other 448 7 27,992 4,897 30 — 33,374 2,055 — 35,429 Intercompany management fee — — (6,443 ) 3,035 3,408 — — — — — Interest expense 18,322 — (112 ) 57 4,087 — 22,354 — — 22,354 Intercompany interest (income) expense — (801 ) (79 ) 880 — — — — — — Loss on extinguishment of debt 11,683 — — — — — 11,683 — — 11,683 Total operating expense 30,453 (794 ) 21,358 8,869 7,525 — 67,411 2,055 — 69,466 (Loss) income from continuing operations before income taxes (30,453 ) 794 22,846 5,633 39,615 — 38,435 (2,055 ) — 36,380 (Benefit) provision for income tax expense (6,841 ) 18,497 (1,585 ) 1,929 — — 12,000 (533 ) — 11,467 Net (loss) income from continuing operations (23,612 ) (17,703 ) 24,431 3,704 39,615 — 26,435 (1,522 ) — 24,913 Net loss from discontinued operations — — — (1,621 ) — — (1,621 ) — — (1,621 ) Net (loss) income (23,612 ) (17,703 ) 24,431 2,083 39,615 — 24,814 (1,522 ) — 23,292 Equity in net income (loss) of subsidiaries: CFTC — — — — — — — 24,814 (24,814 ) — CURO Intermediate (17,703 ) — — — — 17,703 — — — — Guarantor Subsidiaries 24,431 — — — — (24,431 ) — — — — Non-Guarantor Subsidiaries 3,704 — — — — (3,704 ) — — — — SPV Subs 39,615 — — — — (39,615 ) — — — — Net income (loss) attributable to CURO $ 26,435 $ (17,703 ) $ 24,431 $ 2,083 $ 39,615 $ (50,047 ) $ 24,814 $ 23,292 $ (24,814 ) $ 23,292 Condensed Consolidating Statements of Cash Flows Three Months Ended March 31, 2019 (dollars in thousands) Subsidiary Guarantors Subsidiary Non-Guarantors Canada SPV CURO Eliminations CURO Consolidated Cash flows from operating activities Net cash provided by (used in) continuing operating activities $ 88,291 $ (1,574 ) $ 53,969 $ 67 $ 246 $ 140,999 Net cash used in discontinued operating activities — (504 ) — — — (504 ) Cash flows from investing activities: Purchase of property, equipment and software (2,430 ) (689 ) — — — (3,119 ) Investment in Cognical Holdings (1,568 ) — — — — (1,568 ) Originations of loans, net (38,226 ) 3,652 (30,373 ) — — (64,947 ) Net cash (used in) provided by continuing investing activities (42,224 ) 2,963 (30,373 ) — — (69,634 ) Net cash used in discontinued investing activities — (14,213 ) — — — (14,213 ) Cash flows from financing activities: Proceeds from Non-Recourse Canada SPV facility — — 3,762 — — 3,762 Payments on Non-Recourse Canada SPV facility — — (24,831 ) — — (24,831 ) Proceeds from revolving credit facilities 15,000 15,478 — — — 30,478 Payments on revolving credit facilities (35,000 ) (15,478 ) — — — (50,478 ) Payments to net share settle RSUs — — — (37 ) — (37 ) Proceeds from exercise of stock options 40 — — — — 40 Debt issuance costs paid — — (169 ) (30 ) — (199 ) Net cash used in provided by financing activities (1) (19,960 ) — (21,238 ) (67 ) — (41,265 ) Effect of exchange rate changes on cash and restricted cash — 1,922 262 — (246 ) 1,938 Net increase (decrease) in cash and restricted cash 26,107 (11,406 ) 2,620 — — 17,321 Cash and restricted cash at beginning of period 52,397 34,620 12,840 — — 99,857 Cash at end of period $ 78,504 $ 23,214 $ 15,460 $ — $ — $ 117,178 (1) Financing activities include continuing operations only and were not impacted by discontinued operations Three Months Ended March 31, 2018 (dollars in thousands) CFTC CURO Intermediate Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs Eliminations CFTC Consolidated CURO CURO Cash flows from operating activities Net cash provided (used) in continuing operating activities $ 87,829 $ — $ (5,956 ) $ 15,391 $ 29,225 $ 9,469 $ 135,958 $ (13,215 ) $ 122,743 Net cash provided by (used in) discontinued operating activities — — — 6,958 — (5,547 ) 1,411 — 1,411 Cash flows from investing activities: Purchase of property, equipment and software — — (788 ) (754 ) — — (1,542 ) — (1,542 ) Originations of loans, net — — (28,277 ) (13,767 ) (14,309 ) — (56,353 ) — (56,353 ) Investment in Cognical Holdings (958 ) — — — — — (958 ) — (958 ) Net cash (used in) provided by continuing operating activities (958 ) — (29,065 ) (14,521 ) (14,309 ) — (58,853 ) — (58,853 ) Net cash provided by (used in) discontinued investing activities — — — (3,782 ) — — (3,782 ) — (3,782 ) Cash flows from financing activities: Proceeds from Non-Recourse U.S. SPV facility — — — — 3,000 — 3,000 — 3,000 Payments on Non-Recourse U.S. SPV facility — — — — (12,519 ) — (12,519 ) — (12,519 ) Proceeds from revolving credit facilities 10,000 — — — — — 10,000 — 10,000 Payments on revolving credit facilities (10,000 ) — — — — — (10,000 ) — (10,000 ) Net proceeds from issuance of common stock — — — — — — — 13,135 13,135 Payments on 12.00% Senior Secured Notes (77,500 ) — — — — — (77,500 ) — (77,500 ) Payments of call premiums from early debt extinguishments (9,300 ) — — — — — (9,300 ) — (9,300 ) Debt issuance costs paid (71 ) — — — — — (71 ) — (71 ) Net cash (used in) provided by financing activities (1) (86,871 ) — — — (9,519 ) — (96,390 ) 13,135 (83,255 ) Effect of exchange rate changes on cash — — — (438 ) — (3,922 ) (4,360 ) — (4,360 ) Net (decrease) increase in cash and restricted cash — — (35,021 ) 3,608 5,397 — (26,016 ) (80 ) (26,096 ) Cash and restricted cash at beginning of period — — 119,056 48,484 6,871 — 174,411 80 174,491 Cash and restricted cash at end of period $ — $ — $ 84,035 $ 52,092 $ 12,268 $ — $ 148,395 $ — $ 148,395 (1) Financing activities included continuing operations only and were not impacted by discontinued.

SUBSEQUENT EVENTS

SUBSEQUENT EVENTS	3 Months Ended
	Mar. 31, 2019
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	SUBSEQUENT EVENTS Share Repurchase Program In April 2019, the Company's Board of Directors authorized a share repurchase program providing for the repurchase of up to $50.0 million of its common stock. The repurchase program will continue until completed or terminated. CURO expects the purchases to be made from time-to-time in the open market, in privately negotiated transactions, or both, at the Company's discretion and subject to market conditions and other factors. Any repurchased shares will be available for use in connection with equity plans or other corporate purposes. Cognical Investment In April 2019, as part of a broader capital structure reorganization, the Company made an additional $2.8 million cash investment in Cognical Holdings, which operates under the Zibby brand. This funding round is expected to remain open through June 11, 2019. As a result of its investments in Cognical as well as Cognical’s overall reorganization, the Company expects to own a 30% to 35% interest in its outstanding shares, dependent upon total new capital contributed by other investors. When the funding round is completed, the Company expects to have financial information to determine the fair market value of its investments in Cognical Holdings.

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS (Policies)	3 Months Ended
	Mar. 31, 2019
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The terms “CURO" 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., a wholly-owned subsidiary, and its directly and indirectly owned subsidiaries as a consolidated entity, except where otherwise stated. The Company has prepared the accompanying unaudited Condensed Consolidated Financial Statements in accordance with accounting principles generally accepted in the United States of America (“US GAAP”), and with the accounting policies described in its Annual Report on Form 10-K for the year ended December 31, 2018 ("2018 Form 10-K"). Certain information and note disclosures normally included in annual financial statements prepared in accordance with US GAAP have been condensed or omitted, although the Company believes that the disclosures are adequate to enable a reasonable understanding of the information presented. The unaudited Condensed Consolidated Financial Statements and the accompanying notes reflect all adjustments, which are, in the opinion of management, necessary to present fairly the Company's results of operations, financial position and cash flows for the periods presented. On February 25, 2019, the Company's U.K. segment was placed into administration, which resulted in treatment of the segment as discontinued operations for all periods presented. Throughout this Quarterly Report on Form 10-Q ("Form 10-Q"), current and prior period financial information is presented as if the U.K. segment was excluded from continuing operations. For further information about the placement of the segment into administration, refer to "--Nature of Operations" below. The Condensed Consolidated Financial Statements should be read in conjunction with the Consolidated Financial Statements and related Notes included in the 2018 Form 10-K. Interim results of operations are not necessarily indicative of results that may be expected for future interim periods or for the year ending December 31, 2019 .
Principles of Consolidation	Principles of Consolidation The Condensed 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 Condensed 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 the Company made in the accompanying Condensed Consolidated Financial Statements include allowances for loan losses, certain assumptions related to goodwill and intangibles, accruals related to self-insurance, credit services organization ("CSO") liability for losses and estimated tax liabilities. Actual results may differ from those estimates
U.K. Segment Placed into Administration	U.K. Segment Placed into Administration On February 25, 2019, the Company announced that a proposed Scheme of Arrangement ("SOA"), as described in the Company's Current Report on 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 and SRC Transatlantic Limited (collectively, “the U.K. Subsidiaries”), insolvency practitioners from KPMG were appointed as administrators (“Administrators”) for the U.K. Subsidiaries. The effect of the U.K. Subsidiaries’ entry into administration was to place their management, affairs, business and property under the direct control of the Administrators. Accordingly, the Company deconsolidated the U.K. Subsidiaries as of February 25, 2019 and presented the U.K. Subsidiaries as Discontinued Operations for all periods presented in this Form 10-Q.
Recently Adopted and Issued Accounting Pronouncements Not Yet Adopted	Recently Adopted Accounting Pronouncements ASU 2016-02 In February 2016, the Financial Accounting Standards Board ("FASB") established Topic 842, Leases, by issuing ASU No. 2016-02, which requires lessees to recognize leases on the balance sheet and disclose key information about leasing arrangements. The Company adopted ASU 2016-02 as of January 1, 2019, using the modified retrospective approach, which provides a method for recording existing leases at adoption and in comparative periods that approximates the results of a full retrospective approach. Adoption of the new standard resulted in the recording of right of use assets ("ROU assets") and additional operating lease liabilities ("lease liabilities") of $135.4 million and $143.4 million , respectively, as of March 31, 2019. Prepaid rent of $2.7 million and deferred liability of $10.9 million were included in ROU assets and lease liabilities, respectively. The standard did not materially impact the Company's consolidated net earnings. See Note 14 - "Leases" for additional information and disclosures required by Topic 842. ASU 2018-12 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"), which permits the reclassification to retained earnings of disproportionate tax effects in accumulated other comprehensive income (loss) caused by the Tax Cuts and Jobs Act of 2017 ("2017 Tax Act"). The Company adopted ASU 2018-02 as of January 1, 2019, which did not have a material impact on the Condensed Consolidated Financial Statements. SEC Disclosure Update In the third quarter of 2018, the U.S. Securities and Exchange Commission ("SEC") adopted final rules under SEC Release No. 33-10532, Disclosure Update and Simplification , amending certain disclosure requirements that had become redundant, duplicative, overlapping, outdated or superseded. Other than the amendment's expanded disclosure requirement for interim financial statements to disclose both current and comparative quarter and year-to-date reconciliations of changes in stockholders' equity, it did not have a material impact on the Company's Condensed Consolidated Financial Statements or Notes thereto for the three months ended March 31, 2019 , nor is it expected to have a material impact on the Company's annual disclosures or financial statements.
Variable Interest Entity	As the Company is the primary beneficiary of the VIEs, the Company includes the assets and liabilities related to the VIEs in its Condensed Consolidated Financial Statements. As required, the Company parenthetically discloses on the 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 the Company's general credit. The carrying amount
Fair Value of Financial Instruments	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. The Company is 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 the Company's 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 the Company 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 the Company has 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 the Company's own judgments about the assumptions market participants would use in pricing the asset or liability since limited market data exists. The Company develops these inputs based on the best information available, including its own data.

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS (Tables)	3 Months Ended
	Mar. 31, 2019
Accounting Policies [Abstract]
Schedule of Impact of the Correction	The Company has revised its Condensed Consolidated Financial Statements for the three months ended March 31, 2018 presented in this Form 10-Q. A summary of the correction follows: (dollars in thousands) Three Months Ended March 31, 2018 As Reported: (1) Net cash provided by continuing operating activities $ 66,390 Net cash used in continuing investing activities (2,500 ) As Corrected: Net cash provided by continuing operating activities 122,743 Net cash used in continuing investing activities (58,853 ) (1) "As reported" balances include amounts from continuing operations historically presented within these captions.

VARIABLE INTEREST ENTITIES (Tab

VARIABLE INTEREST ENTITIES (Tables)	3 Months Ended
	Mar. 31, 2019
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 the VIE subsidiaries were as follows: (in thousands) March 31, 2019 December 31, 2018 Assets Restricted cash $ 15,460 $ 12,840 Gross loans receivable less allowance for loan losses 157,867 136,187 Total Assets $ 173,327 $ 149,027 Liabilities Accounts payable and accrued liabilities $ 9,717 $ 4,980 Deferred revenue 44 40 Accrued interest 848 831 Long-term debt 88,915 107,479 Total Liabilities $ 99,524 $ 113,330

LOANS RECEIVABLE AND REVENUE (T

LOANS RECEIVABLE AND REVENUE (Tables)	3 Months Ended
	Mar. 31, 2019
Receivables [Abstract]
Summary of Revenue by Product	The following table summarizes revenue by product for the periods indicated: Three Months Ended March 31, (in thousands) 2019 2018 Unsecured Installment $ 135,778 $ 125,379 Secured Installment 27,477 26,856 Open-End 52,869 27,223 Single-Pay 46,761 60,357 Ancillary 15,054 11,028 Total revenue $ 277,939 $ 250,843
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 March 31, 2019: March 31, 2019 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Total Current loans receivable $ 69,753 $ 120,915 $ 67,375 $ 208,346 $ 466,389 Delinquent loans receivable — 40,801 13,581 32,444 86,826 Total loans receivable 69,753 161,716 80,956 240,790 553,215 Less: allowance for losses (3,897 ) (33,666 ) (9,796 ) (46,963 ) (94,322 ) Loans receivable, net $ 65,856 $ 128,050 $ 71,160 $ 193,827 $ 458,893 March 31, 2019 (in thousands) Unsecured Installment Secured Installment Open-End Total Delinquent loans receivable 0-30 days past due $ 13,455 $ 6,001 $ 12,423 $ 31,879 31-60 days past due 11,757 3,555 9,432 24,744 61-90 days past due 15,589 4,025 10,589 30,203 Total delinquent loans receivable $ 40,801 $ 13,581 $ 32,444 $ 86,826 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 $ 80,823 $ 141,316 $ 75,583 $ 207,333 $ 505,055 Delinquent loans receivable — 49,087 17,389 — 66,476 Total loans receivable 80,823 190,403 92,972 207,333 571,531 Less: allowance for losses (4,189 ) (37,716 ) (12,191 ) (19,901 ) (73,997 ) Loans receivable, net $ 76,634 $ 152,687 $ 80,781 $ 187,432 $ 497,534 December 31, 2018 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past due $ 17,850 $ 7,870 $ 25,720 31-60 days past due 14,705 4,725 19,430 61-90 days past due 16,532 4,794 21,326 Total delinquent loans receivable $ 49,087 $ 17,389 $ 66,476 The following tables summarize loans guaranteed by the Company under CSO programs and the related delinquent receivables at March 31, 2019: March 31, 2019 (in thousands) Unsecured Installment Secured Installment Total Current loans receivable guaranteed by the Company $ 51,773 $ 1,847 $ 53,620 Delinquent loans receivable guaranteed by the Company 7,967 284 8,251 Total loans receivable guaranteed by the Company 59,740 2,131 61,871 Less: Liability for losses on CSO lender-owned consumer loans (8,584 ) (78 ) (8,662 ) Loans receivable guaranteed by the Company, net $ 51,156 $ 2,053 $ 53,209 March 31, 2019 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past due $ 6,388 $ 228 $ 6,616 31-60 days past due 926 33 959 61-90 days past due 653 23 676 Total delinquent loans receivable $ 7,967 $ 284 $ 8,251 The following tables summarize loans guaranteed by the Company under 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
Summary of the Activity in the Allowance for Loan Losses	The following table summarizes activity in the allowance for loan losses during the three months ended March 31, 2018 : Three Months Ended March 31, 2018 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 5,204 $ 38,977 $ 13,472 $ 6,426 $ — $ 64,079 Charge-offs (44,336 ) (35,219 ) (11,485 ) (20,349 ) (667 ) (112,056 ) Recoveries 32,818 5,218 2,866 9,377 39 50,318 Net charge-offs (11,518 ) (30,001 ) (8,619 ) (10,972 ) (628 ) (61,738 ) Provision for losses 9,892 24,739 6,786 11,428 628 53,473 Effect of foreign currency translation (64 ) (77 ) — (36 ) — (177 ) Balance, end of period $ 3,514 $ 33,638 $ 11,639 $ 6,846 $ — $ 55,637 Allowance for loan losses as a percentage of gross loan receivables 5.7 % 25.8 % 16.6 % 15.2 % N/A 18.1 % The following table summarizes activity in the allowance for loan losses during the three months ended March 31, 2019 : Three Months Ended March 31, 2019 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 4,189 $ 37,716 $ 12,191 $ 19,901 $ — $ 73,997 Charge-offs (36,521 ) (44,237 ) (12,671 ) (3,638 ) (1,351 ) (98,418 ) Recoveries 27,911 6,318 3,123 5,159 898 43,409 Net charge-offs (8,610 ) (37,919 ) (9,548 ) 1,521 (453 ) (55,009 ) Provision for losses 8,268 33,845 7,153 25,317 453 75,036 Effect of foreign currency translation 50 24 — 224 — 298 Balance, end of period $ 3,897 $ 33,666 $ 9,796 $ 46,963 $ — $ 94,322 Allowance for loan losses as a percentage of gross loan receivables 5.6 % 20.8 % 12.1 % 19.5 % N/A 17.0 %
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 three months ended March 31, 2019 : Three Months Ended (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 11,582 $ 425 $ 12,007 Charge-offs (40,980 ) (1,076 ) (42,056 ) Recoveries 10,560 802 11,362 Net charge-offs (30,420 ) (274 ) (30,694 ) Provision for losses 27,422 (73 ) 27,349 Balance, end of period $ 8,584 $ 78 $ 8,662 The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the three months ended March 31, 2018 : Three Months Ended March 31, 2018 (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 17,073 $ 722 $ 17,795 Charge-offs (41,719 ) (1,219 ) (42,938 ) Recoveries 10,976 1,169 12,145 Net charge-offs (30,743 ) (50 ) (30,793 ) Provision for losses 23,556 (146 ) 23,410 Balance, end of period $ 9,886 $ 526 $ 10,412
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 three months ended March 31, 2018 : Three Months Ended March 31, 2018 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 5,204 $ 56,050 $ 14,194 $ 6,426 $ — $ 81,874 Charge-offs (44,336 ) (76,938 ) (12,704 ) (20,349 ) (667 ) (154,994 ) Recoveries 32,818 16,194 4,035 9,377 39 62,463 Net charge-offs (11,518 ) (60,744 ) (8,669 ) (10,972 ) (628 ) (92,531 ) Provision for losses 9,892 48,295 6,640 11,428 628 76,883 Effect of foreign currency translation (64 ) (77 ) — (36 ) — (177 ) Balance, end of period $ 3,514 $ 43,524 $ 12,165 $ 6,846 $ — $ 66,049 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 three months ended March 31, 2019 : Three Months Ended March 31, 2019 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 4,189 $ 49,298 $ 12,616 $ 19,901 $ — $ 86,004 Charge-offs (36,521 ) (85,217 ) (13,747 ) (3,638 ) (1,351 ) (140,474 ) Recoveries 27,911 16,878 3,925 5,159 898 54,771 Net charge-offs (8,610 ) (68,339 ) (9,822 ) 1,521 (453 ) (85,703 ) Provision for losses 8,268 61,267 7,080 25,317 453 102,385 Effect of foreign currency translation 50 24 — 224 — 298 Balance, end of period $ 3,897 $ 42,250 $ 9,874 $ 46,963 $ — $ 102,984

LONG-TERM DEBT (Tables)

LONG-TERM DEBT (Tables)	3 Months Ended
	Mar. 31, 2019
Debt Disclosure [Abstract]
Schedule of Long-term Debt Instruments	Long-term debt consisted of the following: (in thousands) March 31, 2019 December 31, 2018 8.25% Senior Secured Notes (due 2025) $ 677,153 $ 676,661 Non-Recourse Canada SPV Facility 88,915 107,479 Senior Revolver — 20,000 Long-term debt $ 766,068 $ 804,140

SHARE-BASED COMPENSATION Tables

SHARE-BASED COMPENSATION Tables (Tables)	3 Months Ended
	Mar. 31, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of Restricted Stock Activity	A summary of the status of time-based and performance-based RSUs as of March 31, 2019 and changes during the three months ended March 31, 2019 are presented in the following table: Number of RSUs Time-Based Performance-Based Weighted Average Grant Date Fair Value per Share December 31, 2018 1,060,350 — $ 14.29 Granted 434,272 394,752 9.93 Vested (17,406 ) — 15.94 Forfeited (68,778 ) — 14.05 March 31, 2019 1,408,438 394,752 $ 12.28

FINANCIAL INSTRUMENTS (Tables)

FINANCIAL INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2019
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 carried at fair value on the Condensed Consolidated Balance Sheets at March 31, 2019 : Estimated Fair Value (in thousands) Carrying Value March 31, Level 1 Level 2 Level 3 March 31, 2019 Financial assets: Cash $ 82,859 $ 82,859 $ — $ — $ 82,859 Restricted cash 34,319 34,319 — — 34,319 Loans receivable, net 458,893 — — 458,893 458,893 Investment in Cognical 6,558 — — 6,558 6,558 Financial liabilities: Liability for losses on CSO lender-owned consumer loans $ 8,662 $ — $ — $ 8,662 $ 8,662 8.25% Senior Secured Notes 677,153 — — 580,659 580,659 Non-Recourse Canada SPV facility 88,915 — — 92,718 92,718 The table below presents the assets and liabilities that were not carried at fair value on the Condensed Consolidated Balance Sheets 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 $ 61,175 $ 61,175 $ — $ — $ 61,175 Restricted cash 25,439 25,439 — — 25,439 Loans receivable, net 497,534 — — 497,534 497,534 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

STOCKHOLDERS' EQUITY (Tables)

STOCKHOLDERS' EQUITY (Tables)	3 Months Ended
	Mar. 31, 2019
Equity [Abstract]
Schedule of Stockholders Equity	The following table summarizes the changes in stockholders' equity for the three months ended March 31, 2018 and 2019: Common Stock Paid-in capital Retained Earnings (Deficit) AOCI (1) Total Stockholders' Equity (dollars in thousands) Shares Outstanding Par Value Balances at December 31, 2017 44,561,419 $ 8 $ 46,079 $ 3,988 $ (42,939 ) $ 7,136 Net income from continuing operations — — — 24,913 — 24,913 Net loss from discontinued operations — — — (1,621 ) — (1,621 ) Foreign currency translation adjustment — — — — (2,910 ) (2,910 ) Cash flow hedge expiration — — — — 54 54 Share based compensation expense — — 1,842 — — 1,842 Initial Public Offering, Net Proceeds (underwriter shares) 1,000,000 1 13,135 — — 13,136 Balances at March 31, 2018 45,561,419 $ 9 $ 61,056 $ 27,280 $ (45,795 ) $ 42,550 (1) Accumulated other comprehensive income (loss) Common Stock Paid-in capital Retained Earnings (Deficit) AOCI (1) Total Stockholders' Equity (dollars in thousands) Shares Outstanding Par Value Balances at December 31, 2018 46,412,231 $ 9 $ 60,015 $ (18,065 ) $ (61,060 ) $ (19,101 ) Net income from continuing operations — — — 28,673 — 28,673 Net income from discontinued operations — — — 8,375 — 8,375 Foreign currency translation adjustment — — — — 16,695 16,695 Share based compensation expense — — 2,172 — — 2,172 Proceeds from exercise of stock options 7,888 — 40 — — 40 Common stock issued for RSU's vesting, net of shares withheld and withholding paid for employee taxes 11,170 — (110 ) — — (110 ) Balances at March 31, 2019 46,431,289 $ 9 $ 62,117 $ 18,983 $ (44,365 ) $ 36,744 (1) Accumulated other comprehensive income (loss)

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2019
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	The following table presents the computation of basic and diluted earnings per share (in thousands, except per share amounts): Three Months Ended 2019 2018 Net income from continuing operations $ 28,673 $ 24,913 Net income (loss) from discontinued operations, net of tax 8,375 (1,621 ) Net income $ 37,048 $ 23,292 Weighted average common shares - basic 46,424 45,506 Dilutive effect of stock options and restricted stock units 895 1,910 Weighted average common shares - diluted 47,319 47,416 Basic income (loss) per share: Continuing operations $ 0.62 $ 0.55 Discontinued operations 0.18 (0.04 ) Basic income per share $ 0.80 $ 0.51 Diluted income (loss) per share: Continuing operations $ 0.61 $ 0.53 Discontinued operations 0.18 (0.03 ) Diluted income per share $ 0.79 $ 0.50

SUPPLEMENTAL CASH FLOW INFORM_2

SUPPLEMENTAL CASH FLOW INFORMATION (Tables)	3 Months Ended
	Mar. 31, 2019
Supplemental Cash Flow Elements [Abstract]
Schedule of Supplemental Cash Flow Information	The following table provides supplemental cash flow information: Three Months Ended (dollars in thousands) 2019 2018 Cash paid for: Interest $ 32,195 $ 40,225 Income taxes 1,456 4,431 Non-cash investing activities: Property and equipment accrued in accounts payable $ 349 $ 317

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	3 Months Ended
	Mar. 31, 2019
Segment Reporting [Abstract]
Summary of Financial Information by Segment	The following table illustrates summarized financial information concerning reportable segments. Three Months Ended (dollars in thousands) 2019 2018 Revenues by segment: U.S. $ 226,119 $ 204,593 Canada 51,820 46,250 Consolidated revenue $ 277,939 $ 250,843 Gross margin by segment: U.S. $ 89,803 $ 91,344 Canada 15,694 14,502 Consolidated gross margin $ 105,497 $ 105,846 Segment operating income: U.S. $ 31,195 $ 26,832 Canada 7,524 9,548 Consolidated operating profit $ 38,719 $ 36,380 Expenditures for long-lived assets by segment: U.S. $ 2,430 $ 788 Canada 689 754 Consolidated expenditures for long-lived assets $ 3,119 $ 1,542 The following table provides gross loans receivable by segment: (dollars in thousands) March 31, December 31, U.S. $ 321,534 $ 361,473 Canada 231,681 210,058 Total gross loans receivable $ 553,215 $ 571,531
Summary of Long-lived Assets by Geographic Region	The following table provides 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: (dollars in thousands) March 31, 2019 December 31, 2018 U.S. $ 46,360 $ 47,918 Canada 28,900 28,832 Total net long-lived assets $ 75,260 $ 76,750

LEASES (Tables)

LEASES (Tables)	3 Months Ended
	Mar. 31, 2019
Leases [Abstract]
Summary of Future Minimum Lease Payments	The following table summarizes the future minimum lease payments that the Company is contractually obligated to make under operating leases as of March 31, 2019: (in thousands) Third-Party Related-Party Total 2019 $ 23,222 $ 2,764 $ 25,986 2020 30,338 3,773 34,111 2021 29,918 3,875 33,793 2022 28,906 3,743 32,649 2023 24,411 1,299 25,710 Thereafter 40,326 1,114 41,440 Total 177,121 16,568 193,689 Less: Imputed interest (46,823 ) (3,429 ) (50,252 ) Operating lease liabilities $ 130,298 $ 13,139 $ 143,437

DISCONTINUED OPERATIONS (Tables

DISCONTINUED OPERATIONS (Tables)	3 Months Ended
	Mar. 31, 2019
Discontinued Operations and Disposal Groups [Abstract]
Discontinued operations aggregate carrying amounts of the assets and liabilities	The following table presents financial results of the U.K. Subsidiaries, which meet the criteria of Discontinued Operations and, therefore, are excluded from the Company's results of continuing operations: Three Months Ended (in thousands) 2019 (1) 2018 Revenue $ 6,957 $ 10,915 Provision for losses 1,703 4,148 Net revenue 5,254 6,767 Cost of providing services Office 246 528 Other costs of providing services 61 969 Advertising 775 1,871 Total cost of providing services 1,082 3,368 Gross margin 4,172 3,399 Operating expense (income) Corporate, district and other 3,810 5,025 Interest income (4 ) (5 ) Total operating expense 3,806 5,020 Income (loss) from operations of discontinued operations 366 (1,621 ) Gain on disposal of discontinued operations, net of estimated income tax benefit of $47,423 8,009 — Income from discontinued operations $ 8,375 $ (1,621 ) (1) Includes U.K. Subsidiaries financial results from January 1, 2019 to February 25, 2019. The following table presents the aggregate carrying amounts of the assets and liabilities of the U.K. Subsidiaries: (in thousands) March 31, December 31, ASSETS Cash $ — $ 9,859 Restricted cash — 3,384 Gross loans receivable — 25,256 Less: allowance for loan losses — (5,387 ) Loans receivable, net — 19,869 Prepaid expenses and other — 1,482 Other — 267 Total assets classified as discontinued operations in the Condensed Consolidated Balance Sheets $ — $ 34,861 LIABILITIES AND STOCKHOLDERS' EQUITY Accounts payable and accrued liabilities $ — $ 8,136 Deferred revenue — 180 Accrued interest — (5 ) Deferred rent — 149 Other long-term liabilities — 422 Total liabilities classified as discontinued operations in the Condensed Consolidated Balance Sheets $ — $ 8,882 The following table presents cash flows of the U.K. Subsidiaries: Three Months Ended (in thousands) 2019 (1) 2018 Net cash (used in) / provided by discontinued operating activities $ (504 ) $ 1,411 Net cash used in discontinued investing activities (14,213 ) (3,782 ) Net cash used in discontinued financing activities — — (1) Includes U.K. Subsidiaries financial results from January 1, 2019 to February 25, 2019.

CONDENSED CONSOLIDATING FINAN_2

CONDENSED CONSOLIDATING FINANCIAL INFORMATION (Tables)	3 Months Ended
	Mar. 31, 2019
Condensed Financial Information Disclosure [Abstract]
Condensed Consolidating Balance Sheets	Condensed Consolidating Balance Sheets March 31, 2019 (dollars in thousands) Subsidiary Guarantors Subsidiary Non-Guarantors Canada SPV CURO Eliminations CURO Assets: Cash $ 62,729 $ 20,130 $ — $ — $ — $ 82,859 Restricted cash 15,775 3,084 15,460 — — 34,319 Loans receivable, net 254,622 46,403 157,868 — — 458,893 Right of use asset - operating leases 74,840 60,565 — — — 135,405 Deferred income taxes (6,445 ) 5,014 — 6,445 — 5,014 Income taxes receivable — — — 40,872 — 40,872 Prepaid expenses and other 30,459 6,052 — — — 36,511 Property and equipment, net 46,360 28,900 — — — 75,260 Goodwill 91,131 28,747 — — — 119,878 Other intangibles, net 8,165 21,803 — — — 29,968 Intercompany receivable 74,174 — — — (74,174 ) — Investment in subsidiaries — — — (36,075 ) 36,075 — Other 14,473 678 — — — 15,151 Total assets $ 666,283 $ 221,376 $ 173,328 $ 11,242 $ (38,099 ) $ 1,034,130 Liabilities and Stockholders' equity: Accounts payable and accrued liabilities $ 39,420 $ 2,886 $ 9,717 $ 19 $ — $ 52,042 Deferred revenue 4,574 3,233 44 — — 7,851 Lease liability - operating leases 82,667 60,745 — — — 143,412 Income taxes payable (26,737 ) 4,425 — 26,737 — 4,425 Accrued interest 2 — 847 4,744 — 5,593 Payable to CURO Holdings Corp. 738,730 — — (738,730 ) — — CSO liability for losses 8,662 — — — — 8,662 Long-term debt (excluding current maturities) — — 88,915 677,153 — 766,068 Subordinated shareholder debt — 2,243 — — — 2,243 Intercompany payable — 337 73,837 — (74,174 ) — Other liabilities 5,942 744 — — — 6,686 Deferred tax liabilities (4,171 ) — — 4,575 — 404 Total liabilities 849,089 74,613 173,360 (25,502 ) (74,174 ) 997,386 Stockholder’s equity (182,806 ) 146,763 (32 ) 36,744 36,075 36,744 Total liabilities and stockholder’s equity $ 666,283 $ 221,376 $ 173,328 $ 11,242 $ (38,099 ) $ 1,034,130 December 31, 2018 (dollars in thousands) Subsidiary Subsidiary Canada SPV CURO Eliminations CURO Assets: Cash $ 42,403 $ 18,772 $ — $ — $ — $ 61,175 Restricted cash 9,993 2,606 12,840 — — 25,439 Loans receivable, net 304,542 56,805 136,187 — — 497,534 Deferred income taxes — 1,534 — — — 1,534 Income taxes receivable 7,190 — — 9,551 — 16,741 Prepaid expenses and other 37,866 5,722 — — — 43,588 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 — — — (77,009 ) — Investment in subsidiaries — — — (101,665 ) 101,665 — Other 12,253 677 — — — 12,930 Assets from discontinued operations — 2,406 — — 32,455 34,861 Total assets $ 638,723 $ 166,870 $ 149,027 $ (92,114 ) $ 57,111 $ 919,617 Liabilities and Stockholder's equity: Accounts payable and accrued liabilities $ 38,240 $ 5,734 $ 4,980 $ 192 $ — $ 49,146 Deferred revenue 5,981 3,462 40 — — 9,483 Income taxes payable — 1,579 — — — 1,579 Accrued interest 149 — 831 19,924 — 20,904 Payable to CURO Holdings Corp. 768,345 — — (768,345 ) — — CSO liability for losses 12,007 — — — — 12,007 Deferred rent 9,559 1,292 — — — 10,851 Long-term debt 20,000 — 107,479 676,661 — 804,140 Subordinated shareholder debt — 2,196 — — — 2,196 Intercompany payable — 224 44,330 — (44,554 ) — Other liabilities 4,967 833 — — — 5,800 Deferred tax liabilities 15,175 — — (1,445 ) — 13,730 Liabilities from discontinued operations — 8,882 — — — 8,882 Total liabilities 874,423 24,202 157,660 (73,013 ) (44,554 ) 938,718 Stockholder’s equity (235,700 ) 142,668 (8,633 ) (19,101 ) 101,665 (19,101 ) Total liabilities and stockholder’s equity $ 638,723 $ 166,870 $ 149,027 $ (92,114 ) $ 57,111 $ 919,617
Condensed Consolidating Statements of Operations	Condensed Consolidating Statements of Operations Three Months Ended March 31, 2019 (dollars in thousands) Subsidiary Subsidiary Canada SPV CURO Eliminations CURO Revenue $ 226,119 $ 26,774 $ 25,046 $ — $ — $ 277,939 Provision for losses 84,980 4,099 13,306 — — 102,385 Net revenue 141,139 22,675 11,740 — — 175,554 Cost of providing services: Salaries and benefits 19,951 8,750 — — — 28,701 Occupancy 8,010 6,227 — — — 14,237 Office 3,889 1,224 — — — 5,113 Other costs of providing services 13,132 1,088 — — — 14,220 Advertising 6,354 1,432 — — — 7,786 Total cost of providing services 51,336 18,721 — — — 70,057 Gross margin 89,803 3,954 11,740 — — 105,497 Operating (income) expense: Corporate, district and other 41,538 5,183 25 2,342 — 49,088 Intercompany management fee (3,403 ) 3,395 8 — — — Interest expense 290 71 2,891 14,438 — 17,690 Intercompany interest (income) expense (1,071 ) 1,071 — — — — Total operating expense 37,354 9,720 2,924 16,780 — 66,778 Income (loss) from continuing operations before income taxes 52,449 (5,766 ) 8,816 (16,780 ) — 38,719 Provision (benefit) for income tax expense 14,020 1,034 — (5,008 ) — 10,046 Net income (loss) from continuing operations 38,429 (6,800 ) 8,816 (11,772 ) — 28,673 Net loss on discontinued operations — 8,375 — — — 8,375 Net (loss) income 38,429 1,575 8,816 (11,772 ) — 37,048 Equity in net income (loss) of subsidiaries: CFTC — — — 48,820 (48,820 ) — Guarantor Subsidiaries 38,429 — — — (38,429 ) — Non-Guarantor Subsidiaries 1,575 — — — (1,575 ) — SPV Subs 8,816 — — — (8,816 ) — Net income (loss) attributable to CURO $ 87,249 $ 1,575 $ 8,816 $ 37,048 $ (97,640 ) $ 37,048 Three Months Ended March 31, 2018 (dollars in thousands) CFTC CURO Intermediate Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs Eliminations CFTC Consolidated CURO Eliminations CURO Consolidated Revenue $ — $ — $ 128,408 $ 46,250 $ 76,185 $ — $ 250,843 $ — $ — $ 250,843 Provision for losses — — 35,769 12,550 28,564 — 76,883 — — 76,883 Net revenue — — 92,639 33,700 47,621 — 173,960 — — 173,960 Cost of providing services: Salaries and benefits — — 18,018 8,900 — — 26,918 — — 26,918 Occupancy — — 7,646 5,781 — — 13,427 — — 13,427 Office — — 5,582 871 — — 6,453 — — 6,453 Other store operating expenses — — 12,030 920 481 — 13,431 — — 13,431 Advertising — — 5,159 2,726 — — 7,885 — — 7,885 Total cost of providing services — — 48,435 19,198 481 — 68,114 — — 68,114 Gross Margin — — 44,204 14,502 47,140 — 105,846 — — 105,846 Operating (income) expense: Corporate, district and other 448 7 27,992 4,897 30 — 33,374 2,055 — 35,429 Intercompany management fee — — (6,443 ) 3,035 3,408 — — — — — Interest expense 18,322 — (112 ) 57 4,087 — 22,354 — — 22,354 Intercompany interest (income) expense — (801 ) (79 ) 880 — — — — — — Loss on extinguishment of debt 11,683 — — — — — 11,683 — — 11,683 Total operating expense 30,453 (794 ) 21,358 8,869 7,525 — 67,411 2,055 — 69,466 (Loss) income from continuing operations before income taxes (30,453 ) 794 22,846 5,633 39,615 — 38,435 (2,055 ) — 36,380 (Benefit) provision for income tax expense (6,841 ) 18,497 (1,585 ) 1,929 — — 12,000 (533 ) — 11,467 Net (loss) income from continuing operations (23,612 ) (17,703 ) 24,431 3,704 39,615 — 26,435 (1,522 ) — 24,913 Net loss from discontinued operations — — — (1,621 ) — — (1,621 ) — — (1,621 ) Net (loss) income (23,612 ) (17,703 ) 24,431 2,083 39,615 — 24,814 (1,522 ) — 23,292 Equity in net income (loss) of subsidiaries: CFTC — — — — — — — 24,814 (24,814 ) — CURO Intermediate (17,703 ) — — — — 17,703 — — — — Guarantor Subsidiaries 24,431 — — — — (24,431 ) — — — — Non-Guarantor Subsidiaries 3,704 — — — — (3,704 ) — — — — SPV Subs 39,615 — — — — (39,615 ) — — — — Net income (loss) attributable to CURO $ 26,435 $ (17,703 ) $ 24,431 $ 2,083 $ 39,615 $ (50,047 ) $ 24,814 $ 23,292 $ (24,814 ) $ 23,292
Condensed Consolidating Statements of Cash Flows	Condensed Consolidating Statements of Cash Flows Three Months Ended March 31, 2019 (dollars in thousands) Subsidiary Guarantors Subsidiary Non-Guarantors Canada SPV CURO Eliminations CURO Consolidated Cash flows from operating activities Net cash provided by (used in) continuing operating activities $ 88,291 $ (1,574 ) $ 53,969 $ 67 $ 246 $ 140,999 Net cash used in discontinued operating activities — (504 ) — — — (504 ) Cash flows from investing activities: Purchase of property, equipment and software (2,430 ) (689 ) — — — (3,119 ) Investment in Cognical Holdings (1,568 ) — — — — (1,568 ) Originations of loans, net (38,226 ) 3,652 (30,373 ) — — (64,947 ) Net cash (used in) provided by continuing investing activities (42,224 ) 2,963 (30,373 ) — — (69,634 ) Net cash used in discontinued investing activities — (14,213 ) — — — (14,213 ) Cash flows from financing activities: Proceeds from Non-Recourse Canada SPV facility — — 3,762 — — 3,762 Payments on Non-Recourse Canada SPV facility — — (24,831 ) — — (24,831 ) Proceeds from revolving credit facilities 15,000 15,478 — — — 30,478 Payments on revolving credit facilities (35,000 ) (15,478 ) — — — (50,478 ) Payments to net share settle RSUs — — — (37 ) — (37 ) Proceeds from exercise of stock options 40 — — — — 40 Debt issuance costs paid — — (169 ) (30 ) — (199 ) Net cash used in provided by financing activities (1) (19,960 ) — (21,238 ) (67 ) — (41,265 ) Effect of exchange rate changes on cash and restricted cash — 1,922 262 — (246 ) 1,938 Net increase (decrease) in cash and restricted cash 26,107 (11,406 ) 2,620 — — 17,321 Cash and restricted cash at beginning of period 52,397 34,620 12,840 — — 99,857 Cash at end of period $ 78,504 $ 23,214 $ 15,460 $ — $ — $ 117,178 (1) Financing activities include continuing operations only and were not impacted by discontinued operations Three Months Ended March 31, 2018 (dollars in thousands) CFTC CURO Intermediate Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs Eliminations CFTC Consolidated CURO CURO Cash flows from operating activities Net cash provided (used) in continuing operating activities $ 87,829 $ — $ (5,956 ) $ 15,391 $ 29,225 $ 9,469 $ 135,958 $ (13,215 ) $ 122,743 Net cash provided by (used in) discontinued operating activities — — — 6,958 — (5,547 ) 1,411 — 1,411 Cash flows from investing activities: Purchase of property, equipment and software — — (788 ) (754 ) — — (1,542 ) — (1,542 ) Originations of loans, net — — (28,277 ) (13,767 ) (14,309 ) — (56,353 ) — (56,353 ) Investment in Cognical Holdings (958 ) — — — — — (958 ) — (958 ) Net cash (used in) provided by continuing operating activities (958 ) — (29,065 ) (14,521 ) (14,309 ) — (58,853 ) — (58,853 ) Net cash provided by (used in) discontinued investing activities — — — (3,782 ) — — (3,782 ) — (3,782 ) Cash flows from financing activities: Proceeds from Non-Recourse U.S. SPV facility — — — — 3,000 — 3,000 — 3,000 Payments on Non-Recourse U.S. SPV facility — — — — (12,519 ) — (12,519 ) — (12,519 ) Proceeds from revolving credit facilities 10,000 — — — — — 10,000 — 10,000 Payments on revolving credit facilities (10,000 ) — — — — — (10,000 ) — (10,000 ) Net proceeds from issuance of common stock — — — — — — — 13,135 13,135 Payments on 12.00% Senior Secured Notes (77,500 ) — — — — — (77,500 ) — (77,500 ) Payments of call premiums from early debt extinguishments (9,300 ) — — — — — (9,300 ) — (9,300 ) Debt issuance costs paid (71 ) — — — — — (71 ) — (71 ) Net cash (used in) provided by financing activities (1) (86,871 ) — — — (9,519 ) — (96,390 ) 13,135 (83,255 ) Effect of exchange rate changes on cash — — — (438 ) — (3,922 ) (4,360 ) — (4,360 ) Net (decrease) increase in cash and restricted cash — — (35,021 ) 3,608 5,397 — (26,016 ) (80 ) (26,096 ) Cash and restricted cash at beginning of period — — 119,056 48,484 6,871 — 174,411 80 174,491 Cash and restricted cash at end of period $ — $ — $ 84,035 $ 52,092 $ 12,268 $ — $ 148,395 $ — $ 148,395 (1) Financing activities included continuing operations only and were not impacted by discontinued.

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018	Jan. 01, 2019
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Gross combined loans receivable, 90 days past-due	$ 86,826		$ 66,476
Net cash provided by operating activities	(140,999)	$ (122,743)
Net cash used in investing activities	69,634	$ 58,853
Right of use asset - operating leases	135,405
Lease liability - operating leases	143,412
Accounting Standards Update 2016-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Right of use asset - operating leases				$ 135,400
Lease liability - operating leases				143,400
Operating lease asset, prepaid rent				2,700
Operating lease liability, deferred				$ 10,900
Consumer Portfolio Segment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Gross combined loans receivable, 90 days past-due	86,826		66,476
Open-End | Consumer Portfolio Segment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Gross combined loans receivable, 90 days past-due	32,444		$ 0
Accrued interest on past-due loan balances	$ 8,900
Credit Concentration Risk | Allowance for Losses on Finance Receivables
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Concentration risk, percentage	17.00%	18.10%
Credit Concentration Risk | Allowance for Losses on Finance Receivables | Open-End | Consumer Portfolio Segment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Concentration risk, percentage	19.50%	15.20%	9.60%
Restatement Adjustment | Error Correction Of Prior Presentation Of Cash Flows For Loan Originations And Collections On Principal
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Net cash provided by operating activities		$ (56,400)
Net cash used in investing activities		$ 56,400

SUMMARY OF SIGNIFICANT ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS - Schedule of Impact of Correction (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net cash provided by continuing operating activities	$ 140,999	$ 122,743
Net cash used in continuing investing activities	$ (69,634)	(58,853)
Previously Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net cash provided by continuing operating activities		66,390
Net cash used in continuing investing activities		$ (2,500)

VARIABLE INTEREST ENTITIES - Ca

VARIABLE INTEREST ENTITIES - Carrying Amounts of Consolidated VIE Assets and Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
ASSETS
Total Assets	$ 1,034,130	$ 919,617
Liabilities
Total Liabilities	997,386	938,718
Variable Interest Entity
ASSETS
Restricted cash	15,460	12,840
Gross loans receivable less allowance for loan losses	157,867	136,187
Total Assets	173,327	149,027
Liabilities
Accounts payable and accrued liabilities	9,717	4,980
Deferred revenue	44	40
Accrued interest	848	831
Long-term debt	88,915	107,479
Total Liabilities	$ 99,524	$ 113,330

LOANS RECEIVABLE AND REVENUE -

LOANS RECEIVABLE AND REVENUE - Revenue by Product (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Revenue from External Customer [Line Items]
Revenue	$ 277,939	$ 250,843
Consumer Portfolio Segment | Unsecured Installment
Revenue from External Customer [Line Items]
Revenue	135,778	125,379
Consumer Portfolio Segment | Secured Installment
Revenue from External Customer [Line Items]
Revenue	27,477	26,856
Consumer Portfolio Segment | Open-End
Revenue from External Customer [Line Items]
Revenue	52,869	27,223
Consumer Portfolio Segment | Single-Pay
Revenue from External Customer [Line Items]
Revenue	46,761	60,357
Ancillary
Revenue from External Customer [Line Items]
Revenue	$ 15,054	$ 11,028

LOANS RECEIVABLE AND REVENUE _2

LOANS RECEIVABLE AND REVENUE - Loans Receivable by Product and Delinquency (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	$ 466,389	$ 505,055
Delinquent loans receivable	86,826	66,476
Total loans receivable	553,215	571,531
Less: allowance for losses	(94,322)	(73,997)	$ (55,637)	$ (64,079)
Loans receivable, net	458,893	497,534
Consumer Portfolio Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Delinquent loans receivable	86,826	66,476
Consumer Portfolio Segment | Single-Pay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	69,753	80,823
Delinquent loans receivable	0	0
Total loans receivable	69,753	80,823
Less: allowance for losses	(3,897)	(4,189)	(3,514)	(5,204)
Loans receivable, net	65,856	76,634
Consumer Portfolio Segment | Unsecured Installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	120,915	141,316
Delinquent loans receivable	40,801	49,087
Total loans receivable	161,716	190,403
Less: allowance for losses	(33,666)	(37,716)	(33,638)	(38,977)
Loans receivable, net	128,050	152,687
Consumer Portfolio Segment | Secured Installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	67,375	75,583
Delinquent loans receivable	13,581	17,389
Total loans receivable	80,956	92,972
Less: allowance for losses	(9,796)	(12,191)	(11,639)	(13,472)
Loans receivable, net	71,160	80,781
Consumer Portfolio Segment | Open-End
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	208,346	207,333
Delinquent loans receivable	32,444	0
Total loans receivable	240,790	207,333
Less: allowance for losses	(46,963)	(19,901)	$ (6,846)	$ (6,426)
Loans receivable, net	$ 193,827	$ 187,432

LOANS RECEIVABLE AND REVENUE _3

LOANS RECEIVABLE AND REVENUE - Delinquent Loans - Aging Analysis (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	$ 86,826	$ 66,476
Consumer Portfolio Segment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	86,826	66,476
Consumer Portfolio Segment | 0-30 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	31,879	25,720
Consumer Portfolio Segment | 31-60 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	24,744	19,430
Consumer Portfolio Segment | 61-90 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	30,203	21,326
Consumer Portfolio Segment | Unsecured Installment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	40,801	49,087
Consumer Portfolio Segment | Unsecured Installment | 0-30 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	13,455	17,850
Consumer Portfolio Segment | Unsecured Installment | 31-60 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	11,757	14,705
Consumer Portfolio Segment | Unsecured Installment | 61-90 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	15,589	16,532
Consumer Portfolio Segment | Secured Installment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	13,581	17,389
Consumer Portfolio Segment | Secured Installment | 0-30 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	6,001	7,870
Consumer Portfolio Segment | Secured Installment | 31-60 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	3,555	4,725
Consumer Portfolio Segment | Secured Installment | 61-90 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	4,025	4,794
Consumer Portfolio Segment | Open-End
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	32,444	$ 0
Consumer Portfolio Segment | Open-End | 0-30 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	12,423
Consumer Portfolio Segment | Open-End | 31-60 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	9,432
Consumer Portfolio Segment | Open-End | 61-90 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	$ 10,589

LOANS RECEIVABLE AND REVENUE _4

LOANS RECEIVABLE AND REVENUE - Loans Receivable by Product, Credit Services Organization (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable Disclosure [Line Items]
Current loans receivable guaranteed by the Company	$ 53,620	$ 68,247
Delinquent loans receivable guaranteed by the Company	8,251	12,154
Total loans receivable guaranteed by the Company	61,871	80,401
Less: Liability for losses on CSO lender-owned consumer loans	(8,662)	(12,007)	$ (10,412)	$ (17,795)
Loans receivable guaranteed by the Company, net	53,209	68,394
Consumer Portfolio Segment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	8,251	12,154
Consumer Portfolio Segment | Unsecured Installment
Loans and Leases Receivable Disclosure [Line Items]
Current loans receivable guaranteed by the Company	51,773	65,743
Delinquent loans receivable guaranteed by the Company	7,967	11,708
Total loans receivable guaranteed by the Company	59,740	77,451
Less: Liability for losses on CSO lender-owned consumer loans	(8,584)	(11,582)	(9,886)	(17,073)
Loans receivable guaranteed by the Company, net	51,156	65,869
Consumer Portfolio Segment | Secured Installment
Loans and Leases Receivable Disclosure [Line Items]
Current loans receivable guaranteed by the Company	1,847	2,504
Delinquent loans receivable guaranteed by the Company	284	446
Total loans receivable guaranteed by the Company	2,131	2,950
Less: Liability for losses on CSO lender-owned consumer loans	(78)	(425)	$ (526)	$ (722)
Loans receivable guaranteed by the Company, net	$ 2,053	$ 2,525

LOANS RECEIVABLE AND REVENUE _5

LOANS RECEIVABLE AND REVENUE - Delinquent Loans, Credit Services Organization - Aging Analysis (Details) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	$ 8,251	$ 12,154
Consumer Portfolio Segment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	8,251	12,154
Consumer Portfolio Segment | 0-30 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	6,616	10,053
Consumer Portfolio Segment | 31-60 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	959	1,303
Consumer Portfolio Segment | 61-90 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	676	798
Consumer Portfolio Segment | Unsecured Installment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	7,967	11,708
Consumer Portfolio Segment | Unsecured Installment | 0-30 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	6,388	9,684
Consumer Portfolio Segment | Unsecured Installment | 31-60 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	926	1,255
Consumer Portfolio Segment | Unsecured Installment | 61-90 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	653	769
Consumer Portfolio Segment | Secured Installment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	284	446
Consumer Portfolio Segment | Secured Installment | 0-30 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	228	369
Consumer Portfolio Segment | Secured Installment | 31-60 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	33	48
Consumer Portfolio Segment | Secured Installment | 61-90 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	$ 23	$ 29

LOANS RECEIVABLE AND REVENUE _6

LOANS RECEIVABLE AND REVENUE - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 73,997	$ 64,079	$ 64,079
Charge-offs	(98,418)	(112,056)
Recoveries	43,409	50,318
Net charge-offs	(55,009)	(61,738)
Provision for losses	75,036	53,473
Effect of foreign currency translation	298	(177)
Balance, end of period	$ 94,322	$ 55,637	73,997
Allowance for Losses on Finance Receivables | Credit Concentration Risk
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Concentration risk, percentage	17.00%	18.10%
Consumer Portfolio Segment | Single-Pay
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 4,189	$ 5,204	5,204
Charge-offs	(36,521)	(44,336)
Recoveries	27,911	32,818
Net charge-offs	(8,610)	(11,518)
Provision for losses	8,268	9,892
Effect of foreign currency translation	50	(64)
Balance, end of period	$ 3,897	$ 3,514	4,189
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	5.60%	5.70%
Consumer Portfolio Segment | Unsecured Installment
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 37,716	$ 38,977	38,977
Charge-offs	(44,237)	(35,219)
Recoveries	6,318	5,218
Net charge-offs	(37,919)	(30,001)
Provision for losses	33,845	24,739
Effect of foreign currency translation	24	(77)
Balance, end of period	$ 33,666	$ 33,638	37,716
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	20.80%	25.80%
Consumer Portfolio Segment | Secured Installment
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 12,191	$ 13,472	13,472
Charge-offs	(12,671)	(11,485)
Recoveries	3,123	2,866
Net charge-offs	(9,548)	(8,619)
Provision for losses	7,153	6,786
Effect of foreign currency translation	0	0
Balance, end of period	$ 9,796	$ 11,639	12,191
Consumer Portfolio Segment | Secured Installment | Allowance for Losses on Finance Receivables | Credit Concentration Risk
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Concentration risk, percentage	12.10%	16.60%
Consumer Portfolio Segment | Open-End
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 19,901	$ 6,426	6,426
Charge-offs	(3,638)	(20,349)
Recoveries	5,159	9,377
Net charge-offs	1,521	(10,972)
Provision for losses	25,317	11,428
Effect of foreign currency translation	224	(36)
Balance, end of period	$ 46,963	$ 6,846	$ 19,901
Consumer Portfolio Segment | Open-End | Allowance for Losses on Finance Receivables | Credit Concentration Risk
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Concentration risk, percentage	19.50%	15.20%	9.60%
Consumer Portfolio Segment | Other
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 0	$ 0	$ 0
Charge-offs	(1,351)	(667)
Recoveries	898	39
Net charge-offs	(453)	(628)
Provision for losses	453	628
Effect of foreign currency translation	0	0
Balance, end of period	$ 0	$ 0	$ 0

LOANS RECEIVABLE AND REVENUE _7

LOANS RECEIVABLE AND REVENUE - CSO Guarantee Liability (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Guarantor Obligations [Roll Forward]
Balance, beginning of period	$ 12,007	$ 17,795
Charge-offs	(42,056)	(42,938)
Recoveries	11,362	12,145
Net charge-offs	(30,694)	(30,793)
Provision for losses	27,349	23,410
Balance, end of period	8,662	10,412
Consumer Portfolio Segment | Unsecured Installment
Guarantor Obligations [Roll Forward]
Balance, beginning of period	11,582	17,073
Charge-offs	(40,980)	(41,719)
Recoveries	10,560	10,976
Net charge-offs	(30,420)	(30,743)
Provision for losses	27,422	23,556
Balance, end of period	8,584	9,886
Consumer Portfolio Segment | Secured Installment
Guarantor Obligations [Roll Forward]
Balance, beginning of period	425	722
Charge-offs	(1,076)	(1,219)
Recoveries	802	1,169
Net charge-offs	(274)	(50)
Provision for losses	(73)	146
Balance, end of period	$ 78	$ 526

LOANS RECEIVABLE AND REVENUE _8

LOANS RECEIVABLE AND REVENUE - Allowance For Doubtful Accounts - CSO Guarantee Liability (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period	$ 86,004	$ 81,874
Charge-offs	(140,474)	(154,994)
Recoveries	54,771	62,463
Net charge-offs	(85,703)	(92,531)
Provision for losses	102,385	76,883
Effect of foreign currency translation	298	(177)
Balance, end of period	102,984	66,049
Consumer Portfolio Segment | Single-Pay
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period	4,189	5,204
Charge-offs	(36,521)	(44,336)
Recoveries	27,911	32,818
Net charge-offs	(8,610)	(11,518)
Provision for losses	8,268	9,892
Effect of foreign currency translation	50	(64)
Balance, end of period	3,897	3,514
Consumer Portfolio Segment | Unsecured Installment
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period	49,298	56,050
Charge-offs	(85,217)	(76,938)
Recoveries	16,878	16,194
Net charge-offs	(68,339)	(60,744)
Provision for losses	61,267	48,295
Effect of foreign currency translation	24	(77)
Balance, end of period	42,250	43,524
Consumer Portfolio Segment | Secured Installment
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period	12,616	14,194
Charge-offs	(13,747)	(12,704)
Recoveries	3,925	4,035
Net charge-offs	(9,822)	(8,669)
Provision for losses	7,080	6,640
Effect of foreign currency translation	0	0
Balance, end of period	9,874	12,165
Consumer Portfolio Segment | Open-End
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period	19,901	6,426
Charge-offs	(3,638)	(20,349)
Recoveries	5,159	9,377
Net charge-offs	1,521	(10,972)
Provision for losses	25,317	11,428
Effect of foreign currency translation	224	(36)
Balance, end of period	46,963	6,846
Consumer Portfolio Segment | Other
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period	0	0
Charge-offs	(1,351)	(667)
Recoveries	898	39
Net charge-offs	(453)	(628)
Provision for losses	453	628
Effect of foreign currency translation	0	0
Balance, end of period	$ 0	$ 0

CREDIT SERVICES ORGANIZATION (D

CREDIT SERVICES ORGANIZATION (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable Disclosure [Line Items]
Credit services organization, fees receivable	$ 11,000	$ 14,300
Guarantor obligations, maximum exposure, undiscounted	51,600	66,900
Liability for losses on CSO lender-owned consumer loans	8,662	12,007	$ 10,412	$ 17,795
Amounts placed in collateral accounts	$ 13,500	$ 17,200
Minimum
Loans and Leases Receivable Disclosure [Line Items]
CSO program loan terms	6 months
Maximum
Loans and Leases Receivable Disclosure [Line Items]
CSO program loan terms	18 months

LONG-TERM DEBT - Schedule of Lo

LONG-TERM DEBT - Schedule of Long Term Debt (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Aug. 31, 2018	Aug. 13, 2018	Aug. 02, 2018
Debt Instrument [Line Items]
Long-term debt	$ 766,068	$ 804,140
Senior Notes | 8.25% Senior Secured Notes (due 2025)
Debt Instrument [Line Items]
Long-term debt	$ 677,153	$ 676,661
Stated interest rate (as percent)	8.25%	8.25%	8.25%	8.25%
Line of Credit | Revolving Credit Facility | Non-Recourse Canada SPV Facility
Debt Instrument [Line Items]
Long-term debt	$ 88,915	$ 107,479
Stated interest rate (as percent)					6.75%
Line of Credit | Revolving Credit Facility | Senior Revolver
Debt Instrument [Line Items]
Long-term debt	$ 0	$ 20,000

LONG-TERM DEBT - Senior Secured

LONG-TERM DEBT - Senior Secured Notes (Details) - USD ($)	Aug. 13, 2018	Mar. 07, 2018	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018	Aug. 31, 2018	Nov. 30, 2017	Feb. 28, 2017
Line of Credit Facility [Line Items]
Loss on extinguishment of debt			$ 0	$ 11,683,000
Long-term debt			$ 766,068,000		$ 804,140,000
12% Senior Secured Notes
Line of Credit Facility [Line Items]
Stated interest rate (as percent)								12.00%
Senior Notes | 8.25% Senior Secured Notes
Line of Credit Facility [Line Items]
Stated interest rate (as percent)	8.25%		8.25%		8.25%	8.25%
Debt issuance costs capitalized			$ 12,800,000
Debt instrument, term	5 years
Debt instrument, face amount						$ 690,000,000
Loss on extinguishment of debt					$ 69,200,000
Long-term debt			$ 677,153,000		676,661,000
Senior Notes | 12% Senior Secured Notes
Line of Credit Facility [Line Items]
Stated interest rate (as percent)			12.00%				12.00%
Debt issuance costs capitalized					$ 18,300,000
Debt instrument, face amount							$ 135,000,000	$ 470,000,000
Notice of redemption, amount		$ 77,500,000
Redemption price, percentage of redemption amount (as percent)		112.00%
Loss on extinguishment of debt		$ 11,700,000
Long-term debt		$ 527,500,000

LONG-TERM DEBT - Non-Recourse C

LONG-TERM DEBT - Non-Recourse Canada SPV Facility (Details) $ in Thousands	Aug. 02, 2018CAD ($)	Apr. 30, 2019	Aug. 31, 2018CAD ($)	Mar. 31, 2019USD ($)	Mar. 31, 2018USD ($)	Dec. 31, 2018USD ($)
Line of Credit Facility [Line Items]
Long-term debt				$ 766,068		$ 804,140
Non-Recourse Canada SPV Facility
Line of Credit Facility [Line Items]
Payments on credit facilities				24,831	$ 0
Line of Credit | Non-Recourse Canada SPV Facility | Revolving Credit Facility
Line of Credit Facility [Line Items]
Debt instrument, term	4 years		4 years
Line of credit facility, initial borrowing capacity	$ 175,000,000		$ 175,000,000
Credit facility, expansion capacity	$ 250,000,000		$ 250,000,000
Stated interest rate (as percent)	6.75%
Commitment fee (as percent)	0.50%
Long-term debt				$ 88,915		$ 107,479
Subsequent Event | Line of Credit | Non-Recourse Canada SPV Facility | Revolving Credit Facility
Line of Credit Facility [Line Items]
Debt instrument, extended term		1 year

LONG-TERM DEBT - Non-Recourse U

LONG-TERM DEBT - Non-Recourse U.S. SPV Facility (Details) - USD ($)	Oct. 26, 2018	Aug. 13, 2018	Oct. 31, 2018	Sep. 30, 2018	Nov. 30, 2016	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018	Aug. 31, 2018
Debt Instrument [Line Items]
Loss on extinguishment of debt						$ 0	$ 11,683,000
Line of Credit and Secured Debt | Non-Recourse U.S. SPV Facility
Debt Instrument [Line Items]
Debt instrument, term					5 years
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
Secured Debt | Non-Recourse U.S. SPV Facility
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity					$ 80,000,000
Maximum effective interest rate (as percent)					12.00%
Commitment fee (as percent)					0.50%
Extinguishment of debt	$ 2,700,000		$ 80,000,000
Loss on extinguishment of debt								$ 9,700,000
Secured Debt | Non-Recourse U.S. SPV Facility | London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis spread (as percent)					1.00%
Senior Notes | 8.25% Senior Secured Notes (due 2025)
Debt Instrument [Line Items]
Debt instrument, term		5 years
Debt issuance costs capitalized						$ 12,800,000
Stated interest rate (as percent)		8.25%				8.25%		8.25%	8.25%
Loss on extinguishment of debt								$ 69,200,000

LONG-TERM DEBT - Senior Revolve

LONG-TERM DEBT - Senior Revolver (Details)	Aug. 13, 2018	Nov. 30, 2018USD ($)	Nov. 30, 2016	Mar. 31, 2019lender	Dec. 31, 2018	Aug. 31, 2018	Feb. 28, 2018USD ($)	Nov. 30, 2017	Sep. 30, 2017USD ($)	Feb. 28, 2017
12% Senior Secured Notes
Debt Instrument [Line Items]
Stated interest rate (as percent)										12.00%
Line of Credit | Revolving Credit Facility | Senior Revolver
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity		$ 50,000,000					$ 29,000,000		$ 25,000,000
Number of banks | lender				4
Covenant terms, oustanding balance requirement for calendar year		$ 0
Covenant terms, outstanding balance requirement, minimum number of days		30 days
Line of Credit | Letter of Credit | Senior Revolver
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity		$ 5,000,000
Debt instrument, term		1 year
Senior Notes | 12% Senior Secured Notes
Debt Instrument [Line Items]
Stated interest rate (as percent)				12.00%				12.00%
Senior Notes | 8.25% Senior Secured Notes (due 2025)
Debt Instrument [Line Items]
Stated interest rate (as percent)	8.25%			8.25%	8.25%	8.25%
Debt instrument, term	5 years
London Interbank Offered Rate (LIBOR) | Line of Credit | Senior Revolver
Debt Instrument [Line Items]
Basis spread (as percent)			5.00%
Minimum | London Interbank Offered Rate (LIBOR) | Line of Credit | Senior Revolver
Debt Instrument [Line Items]
Basis spread (as percent)			5.00%

LONG-TERM DEBT - Cash Money Rev

LONG-TERM DEBT - Cash Money Revolving Credit Facility (Details) - Line of Credit - Cash Money Revolving Credit Facility	3 Months Ended
	Mar. 31, 2019CAD ($)
Revolving Credit Facility
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity	$ 10,000,000
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	Mar. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Subordinated stockholder debt	$ 2,243	$ 2,196
Subordinated Debt | Subordinated Shareholder Debt
Debt Instrument [Line Items]
Stated interest rate (as percent)	10.00%
Subordinated stockholder debt	$ 2,200	$ 2,200

SHARE-BASED COMPENSATION - Addi

SHARE-BASED COMPENSATION - Additional Information (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation expense	$ 2.1	$ 1.8
Unrecognized compensation costs	$ 20.4
Compensation cost not yet recognized, period for recognition	2 years 2 months 24 days
2017 Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)	5,000,000
Time-Based
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation costs	$ 17.1
Performance-Based
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation costs	$ 3.3

SHARE-BASED COMPENSATION - Summ

SHARE-BASED COMPENSATION - Summary of RSUs and PSUs (Details)	3 Months Ended
	Mar. 31, 2019$ / sharesshares
Time-Based
Number of Shares
Outstanding, beginning of period (in shares)	1,060,350
Granted (in shares)	434,272
Vested (in shares)	(17,406)
Forfeited (in shares)	(68,778)
Outstanding, end of period (in shares)	1,408,438
Weighted Average Grant Date Fair Value per Share
Weighted average grant date fair value, beginning of period (USD per share) | $ / shares	$ 14.29
Weighted average grant date fair value, granted (USD per share) | $ / shares	9.93
Weighted average grant date fair value, vested (USD per share) | $ / shares	15.94
Weighted average grant date fair value, forfeited (USD per share) | $ / shares	14.05
Weighted average grant date fair value, end of period (USD per share) | $ / shares	$ 12.28
Performance-Based
Number of Shares
Outstanding, beginning of period (in shares)	0
Granted (in shares)	394,752
Vested (in shares)	0
Forfeited (in shares)	0
Outstanding, end of period (in shares)	394,752
Weighted Average Grant Date Fair Value per Share
Weighted average grant date fair value, granted (USD per share) | $ / shares	$ 9.93
Weighted average grant date fair value, end of period (USD per share) | $ / shares	$ 12.28

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Income Tax Contingency [Line Items]
Effective income tax rate (as percent)	25.90%	31.50%
Tax Cuts and Jobs Act of 2017, incomplete accounting, transition tax for accumulated foreign earnings, additional amounts, provisional income tax expense		$ 1.2
Tax Cuts and Jobs Act of 2017, global intangible low-taxed income, provisional income tax expense (reversal)	$ 0.4	$ 0.6
Undistributed foreign earnings	165.8
Canada Revenue Agency | Pro forma
Income Tax Contingency [Line Items]
Expected tax if earnings were distributed to the U.S.	$ 8.3

FINANCIAL INSTRUMENTS - Summary

FINANCIAL INSTRUMENTS - Summary of Assets and Liabilities Not Measured at Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Aug. 31, 2018	Aug. 13, 2018
Financial assets:
Restricted cash	$ 34,319	$ 25,439
Carrying Value
Financial assets:
Cash	82,859	61,175
Restricted cash	34,319	25,439
Loans receivable, net	458,893	497,534
Investment in Cognical	6,558	6,558
Financial liabilities:
Liability for losses on CSO lender-owned consumer loans	8,662	12,007
Carrying Value | 8.25% Senior Secured Notes (due 2025)
Financial liabilities:
Debt	677,153	676,661
Carrying Value | Non-Recourse Canada SPV Facility
Financial liabilities:
Debt	88,915	107,479
Carrying Value | Senior Revolver
Financial liabilities:
Debt		20,000
Estimated Fair Value
Financial assets:
Cash	82,859	61,175
Restricted cash	34,319	25,439
Loans receivable, net	458,893	497,534
Investment in Cognical	6,558	6,558
Financial liabilities:
Liability for losses on CSO lender-owned consumer loans	8,662	12,007
Estimated Fair Value | 8.25% Senior Secured Notes (due 2025)
Financial liabilities:
Debt	580,659	531,179
Estimated Fair Value | Non-Recourse Canada SPV Facility
Financial liabilities:
Debt	92,718	111,335
Estimated Fair Value | Senior Revolver
Financial liabilities:
Debt		20,000
Estimated Fair Value | Level 1
Financial assets:
Cash	82,859	61,175
Restricted cash	34,319	25,439
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 | 8.25% Senior Secured Notes (due 2025)
Financial liabilities:
Debt	0	0
Estimated Fair Value | Level 1 | Non-Recourse Canada SPV Facility
Financial liabilities:
Debt	0	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 | 8.25% Senior Secured Notes (due 2025)
Financial liabilities:
Debt	0	0
Estimated Fair Value | Level 2 | Non-Recourse Canada SPV Facility
Financial liabilities:
Debt	0	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	458,893	497,534
Investment in Cognical	6,558	6,558
Financial liabilities:
Liability for losses on CSO lender-owned consumer loans	8,662	12,007
Estimated Fair Value | Level 3 | 8.25% Senior Secured Notes (due 2025)
Financial liabilities:
Debt	580,659	531,179
Estimated Fair Value | Level 3 | Non-Recourse Canada SPV Facility
Financial liabilities:
Debt	$ 92,718	111,335
Estimated Fair Value | Level 3 | Senior Revolver
Financial liabilities:
Debt		$ 20,000
Senior Notes | 8.25% Senior Secured Notes (due 2025)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Stated interest rate (as percent)	8.25%	8.25%	8.25%	8.25%

FINANCIAL INSTRUMENTS - Narrati

FINANCIAL INSTRUMENTS - Narrative (Details)	Mar. 31, 2019	Dec. 31, 2018	Aug. 31, 2018	Aug. 13, 2018
Senior Notes | 8.25% Senior Secured Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Stated interest rate (as percent)	8.25%	8.25%	8.25%	8.25%

STOCKHOLDERS' EQUITY - Narrativ

STOCKHOLDERS' EQUITY - Narrative (Details) - Over-allotment option $ in Millions	Jan. 05, 2018USD ($)shares
Subsidiary, Sale of Stock [Line Items]
Number of shares issued via sale of stock (in shares) | shares	1,000,000
Proceeds received for the sale of stock | $	$ 13.1

STOCKHOLDERS' EQUITY - Schedule

STOCKHOLDERS' EQUITY - Schedule of Stockholders' Equity (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance, beginning period	$ (19,101)	$ 7,136
Net income from continuing operations	28,673	24,913
Net income (loss) from discontinued operations	8,375	(1,621)
Foreign currency translation adjustment	16,695	(2,910)
Cash flow hedge expiration		54
Share based compensation expense	2,172	1,842
Initial Public Offering, Net Proceeds (underwriter shares)		13,136
Proceeds from exercise of stock options	40
Common stock issued for RSU's vesting, net of shares withheld and withholding paid for employee taxes	(110)
Balance, ending period	$ 36,744	$ 42,550
Common Stock
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance, beginning period (in shares)	46,412,231	44,561,419
Balance, beginning period	$ 9	$ 8
Initial Public Offering, Net Proceeds (underwriter shares) (in shares)		1,000,000
Initial Public Offering, Net Proceeds (underwriter shares)		$ 1
Proceeds from exercise of stock options (in shares)	7,888
Common stock issued for RSU's vesting, net of shares withheld and withholding paid for employee taxes (in shares)	11,170
Balance, ending period (in shares)	46,431,289	45,561,419
Balance, ending period	$ 9	$ 9
Paid-in capital
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance, beginning period	60,015	46,079
Share based compensation expense	2,172	1,842
Initial Public Offering, Net Proceeds (underwriter shares)		13,135
Proceeds from exercise of stock options	40
Common stock issued for RSU's vesting, net of shares withheld and withholding paid for employee taxes	(110)
Balance, ending period	62,117	61,056
Retained Earnings (Deficit)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance, beginning period	(18,065)	3,988
Net income from continuing operations	28,673	24,913
Net income (loss) from discontinued operations	8,375	(1,621)
Balance, ending period	18,983	27,280
AOCI
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance, beginning period	(61,060)	(42,939)
Foreign currency translation adjustment	16,695	(2,910)
Cash flow hedge expiration		54
Balance, ending period	$ (44,365)	$ (45,795)

EARNINGS PER SHARE - Summary of

EARNINGS PER SHARE - Summary of Basic Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Earnings Per Share [Abstract]
Net income from continuing operations	$ 28,673	$ 24,913
Net income (loss) from discontinued operations	8,375	(1,621)
Net income	$ 37,048	$ 23,292
Weight average common shares - basic (in shares)	46,424	45,506
Dilutive effect of stock options and restricted stock units (in shares)	895	1,910
Weighted average common shares - diluted (in shares)	47,319	47,416
Basic income (loss) per share:
Continuing operations (in dollars per share)	$ 0.62	$ 0.55
Discontinued operations (in dollars per share)	0.18	(0.04)
Basic earnings per share (in dollars per share)	0.80	0.51
Diluted income (loss) per share:
Continuing operations (in dollars per share)	0.61	0.53
Discontinued operations (in dollars per share)	0.18	(0.03)
Diluted earnings per share (in dollars per share)	$ 0.79	$ 0.50

EARNINGS PER SHARE - Narrative

EARNINGS PER SHARE - Narrative (Details) - shares	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	1,400,000	0

SUPPLEMENTAL CASH FLOW INFORM_3

SUPPLEMENTAL CASH FLOW INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Cash paid for:
Interest	$ 32,195	$ 40,225
Income taxes	1,456	4,431
Non-cash investing activities:
Property and equipment accrued in accounts payable	$ 349	$ 317

SEGMENT REPORTING - Narrative (

SEGMENT REPORTING - Narrative (Details)	3 Months Ended
	Mar. 31, 2019segment
Segment Reporting [Abstract]
Number of reportable segments	2
Number of operating segments	2

SEGMENT REPORTING - Summary of

SEGMENT REPORTING - Summary of Financial Information by Segment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Segment Reporting Information [Line Items]
Consolidated revenue	$ 277,939	$ 250,843
Consolidated gross margin	105,497	105,846
Consolidated operating profit	38,719	36,380
Consolidated expenditures for long-lived assets	3,119	1,542
Total gross loans receivable	553,215		$ 571,531
U.S.
Segment Reporting Information [Line Items]
Consolidated revenue	226,119	204,593
Consolidated gross margin	89,803	91,344
Consolidated operating profit	31,195	26,832
Consolidated expenditures for long-lived assets	2,430	788
Total gross loans receivable	321,534		361,473
Canada
Segment Reporting Information [Line Items]
Consolidated revenue	51,820	46,250
Consolidated gross margin	15,694	14,502
Consolidated operating profit	7,524	9,548
Consolidated expenditures for long-lived assets	689	$ 754
Total gross loans receivable	$ 231,681		$ 210,058

SEGMENT REPORTING - Summary o_2

SEGMENT REPORTING - Summary of Long-lived Assets by Geographical Region (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Revenues from External Customers and Long-Lived Assets [Line Items]
Total net long-lived assets	$ 75,260	$ 76,750
U.S.
Revenues from External Customers and Long-Lived Assets [Line Items]
Total net long-lived assets	46,360	47,918
Canada
Revenues from External Customers and Long-Lived Assets [Line Items]
Total net long-lived assets	$ 28,900	$ 28,832

LEASES - Narrative (Details)

LEASES - Narrative (Details) $ in Millions	3 Months Ended
	Mar. 31, 2019USD ($)renewal_option
Operating lease original term of contract	5 years
Number of renewal terms | renewal_option	2
Operating lease renewal term	5 years
Operating lease cost	$ 8.5
Operating lease payments	$ 8.6
Weighted average remaining lease term	6 years 1 month 6 days
Weighted average operating discount rate	10.30%
Third-Party
Operating lease cost	$ 7.6
Related-Party
Operating lease cost	$ 0.8

LEASES - Schedule of Future Min

LEASES - Schedule of Future Minimum Lease Payments (Details) $ in Thousands	Mar. 31, 2019USD ($)
2019	$ 25,986
2020	34,111
2021	33,793
2022	32,649
2023	25,710
Thereafter	41,440
Total	193,689
Less: Imputed interest	(50,252)
Operating lease liabilities	143,437
Third-Party
2019	23,222
2020	30,338
2021	29,918
2022	28,906
2023	24,411
Thereafter	40,326
Total	177,121
Less: Imputed interest	(46,823)
Operating lease liabilities	130,298
Related-Party
2019	2,764
2020	3,773
2021	3,875
2022	3,743
2023	1,299
Thereafter	1,114
Total	16,568
Less: Imputed interest	(3,429)
Operating lease liabilities	$ 13,139

DISCONTINUED OPERATIONS - Sched

DISCONTINUED OPERATIONS - Schedules of Discontinued Operations (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Income Statement Disclosures
Income from discontinued operations	$ 8,375	$ (1,621)
Tax benefit from gain on disposal of discontinued operations	47,423
ASSETS
Assets from discontinued operations	0		$ 34,861
LIABILITIES AND STOCKHOLDERS' EQUITY
Liabilities from discontinued operations	0		8,882
Cash Flow Disclosures
Net cash (used in) provided by discontinued operating activities	(504)	1,411
Net cash used in discontinued investing activities	(14,213)	(3,782)
U.K. Segment | Discontinued Operations, Disposed of by Means Other than Sale
Income Statement Disclosures
Revenue	6,957	10,915
Provision for losses	1,703	4,148
Net revenue	5,254	6,767
Office	246	528
Other costs of providing services	61	969
Advertising	775	1,871
Cost of providing services	1,082	3,368
Gross margin	4,172	3,399
Corporate, district and other	3,810	5,025
Interest income	(4)	(5)
Total operating expense	3,806	5,020
Income (loss) from operations of discontinued operations	366	(1,621)
Gain on disposal of discontinued operations, net of estimated income tax benefit of $47,423	8,009	0
Income from discontinued operations	8,375	(1,621)
ASSETS
Cash	0		9,859
Restricted cash	0		3,384
Gross loans receivable	0		25,256
Less: allowance for loan losses	0		(5,387)
Loans receivable, net	0		19,869
Prepaid expenses and other	0		1,482
Other	0		267
Assets from discontinued operations	0		34,861
LIABILITIES AND STOCKHOLDERS' EQUITY
Accounts payable and accrued liabilities	0		8,136
Deferred revenue	0		180
Accrued interest	0		(5)
Deferred rent	0		149
Other long-term liabilities	0		422
Liabilities from discontinued operations	0		$ 8,882
Cash Flow Disclosures
Net cash (used in) provided by discontinued operating activities	(504)	1,411
Net cash used in discontinued investing activities	(14,213)	(3,782)
Net cash used in discontinued financing activities	$ 0	$ 0

CONDENSED CONSOLIDATING FINAN_3

CONDENSED CONSOLIDATING FINANCIAL INFORMATION - Additional Information (Details)	Aug. 13, 2018	Aug. 02, 2018CAD ($)	Mar. 07, 2018USD ($)	Aug. 31, 2018CAD ($)	Mar. 31, 2018USD ($)	Nov. 30, 2017USD ($)	Mar. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Aug. 31, 2018USD ($)	Feb. 28, 2017USD ($)
Debt Instrument [Line Items]
Long-term debt							$ 766,068,000	$ 804,140,000
12% Senior Secured Notes
Debt Instrument [Line Items]
Stated interest rate (as percent)										12.00%
12% Senior Secured Notes | Senior Notes
Debt Instrument [Line Items]
Stated interest rate (as percent)						12.00%	12.00%
Notice of redemption, amount			$ 77,500,000
Redemption price, percentage (as percent)			112.00%
Debt instrument, face amount						$ 135,000,000				$ 470,000,000
Long-term debt			$ 527,500,000
8.25% Senior Secured Notes | Senior Notes
Debt Instrument [Line Items]
Stated interest rate (as percent)	8.25%			8.25%			8.25%	8.25%	8.25%
Debt instrument, face amount									$ 690,000,000
Long-term debt							$ 677,153,000	$ 676,661,000
Debt instrument, term	5 years
Non-Recourse Canada SPV Facility | Revolving Credit Facility | Line of Credit
Debt Instrument [Line Items]
Stated interest rate (as percent)		6.75%
Long-term debt							$ 88,915,000	$ 107,479,000
Debt instrument, term		4 years		4 years
Line of credit facility, initial borrowing capacity		$ 175,000,000		$ 175,000,000
Credit facility, expansion capacity		$ 250,000,000		$ 250,000,000
CFTC | 12% Senior Secured Notes
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity										$ 470,000,000
Stated interest rate (as percent)										12.00%
CFTC | 12% Senior Secured Notes | Senior Notes
Debt Instrument [Line Items]
Notice of redemption, amount					$ 77,500,000
Redemption price, percentage (as percent)					112.00%
CFTC | 12% 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
CFTC | 10.75% Senior Secured Notes
Debt Instrument [Line Items]
Stated interest rate (as percent)										10.75%
CFTC | Payments on 12.00% Senior Secured Notes
Debt Instrument [Line Items]
Stated interest rate (as percent)										12.00%

CONDENSED CONSOLIDATING FINAN_4

CONDENSED CONSOLIDATING FINANCIAL INFORMATION - Balance Sheets (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Assets:
Cash	$ 82,859	$ 61,175
Restricted cash	34,319	25,439
Loans receivable, net	458,893	497,534
Right of use asset - operating leases	135,405
Deferred income taxes	5,014	1,534
Income taxes receivable	40,872	16,741
Prepaid expenses and other	36,511	43,588
Property and equipment, net	75,260	76,750
Goodwill	119,878	119,281
Other intangibles, net	29,968	29,784
Intercompany receivable	0	0
Investment in subsidiaries	0	0
Other	15,151	12,930
Assets from discontinued operations	0	34,861
Total Assets	1,034,130	919,617
Liabilities and Stockholders' equity:
Accounts payable and accrued liabilities	52,042	49,146
Deferred revenue	7,851	9,483
Lease liability - operating leases	143,412
Income taxes payable	4,425	1,579
Accrued interest	5,593	20,904
Payable to CURO Holdings Corp.	0	0
CSO liability for losses	8,662	12,007	$ 10,412	$ 17,795
Deferred rent		10,851
Long-term debt (excluding current maturities)	766,068	804,140
Subordinated stockholder debt	2,243	2,196
Intercompany payable	0	0
Other long-term liabilities	6,686	5,800
Deferred tax liabilities	404	13,730
Liabilities from discontinued operations	0	8,882
Total Liabilities	997,386	938,718
Stockholder’s equity	36,744	(19,101)	$ 42,550	$ 7,136
Total Liabilities and Stockholders' Equity	1,034,130	919,617
Eliminations
Assets:
Cash	0	0
Restricted cash	0	0
Loans receivable, net	0	0
Right of use asset - operating leases	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	(74,174)	(77,009)
Investment in subsidiaries	36,075	101,665
Other	0	0
Assets from discontinued operations		32,455
Total Assets	(38,099)	57,111
Liabilities and Stockholders' equity:
Accounts payable and accrued liabilities	0	0
Deferred revenue	0	0
Lease liability - operating leases	0
Income taxes payable	0	0
Accrued interest	0	0
Payable to CURO Holdings Corp.	0	0
CSO liability for losses	0	0
Deferred rent		0
Long-term debt (excluding current maturities)	0	0
Subordinated stockholder debt	0	0
Intercompany payable	(74,174)	(44,554)
Other long-term liabilities	0	0
Deferred tax liabilities	0	0
Liabilities from discontinued operations		0
Total Liabilities	(74,174)	(44,554)
Stockholder’s equity	36,075	101,665
Total Liabilities and Stockholders' Equity	(38,099)	57,111
Subsidiary Guarantors | Reportable Legal Entities
Assets:
Cash	62,729	42,403
Restricted cash	15,775	9,993
Loans receivable, net	254,622	304,542
Right of use asset - operating leases	74,840
Deferred income taxes	(6,445)	0
Income taxes receivable	0	7,190
Prepaid expenses and other	30,459	37,866
Property and equipment, net	46,360	47,918
Goodwill	91,131	91,131
Other intangibles, net	8,165	8,418
Intercompany receivable	74,174	77,009
Investment in subsidiaries	0	0
Other	14,473	12,253
Assets from discontinued operations		0
Total Assets	666,283	638,723
Liabilities and Stockholders' equity:
Accounts payable and accrued liabilities	39,420	38,240
Deferred revenue	4,574	5,981
Lease liability - operating leases	82,667
Income taxes payable	(26,737)	0
Accrued interest	2	149
Payable to CURO Holdings Corp.	738,730	768,345
CSO liability for losses	8,662	12,007
Deferred rent		9,559
Long-term debt (excluding current maturities)	0	20,000
Subordinated stockholder debt	0	0
Intercompany payable	0	0
Other long-term liabilities	5,942	4,967
Deferred tax liabilities	(4,171)	15,175
Liabilities from discontinued operations		0
Total Liabilities	849,089	874,423
Stockholder’s equity	(182,806)	(235,700)
Total Liabilities and Stockholders' Equity	666,283	638,723
Subsidiary Non-Guarantors | Reportable Legal Entities
Assets:
Cash	20,130	18,772
Restricted cash	3,084	2,606
Loans receivable, net	46,403	56,805
Right of use asset - operating leases	60,565
Deferred income taxes	5,014	1,534
Income taxes receivable	0	0
Prepaid expenses and other	6,052	5,722
Property and equipment, net	28,900	28,832
Goodwill	28,747	28,150
Other intangibles, net	21,803	21,366
Intercompany receivable	0	0
Investment in subsidiaries	0	0
Other	678	677
Assets from discontinued operations		2,406
Total Assets	221,376	166,870
Liabilities and Stockholders' equity:
Accounts payable and accrued liabilities	2,886	5,734
Deferred revenue	3,233	3,462
Lease liability - operating leases	60,745
Income taxes payable	4,425	1,579
Accrued interest	0	0
Payable to CURO Holdings Corp.	0	0
CSO liability for losses	0	0
Deferred rent		1,292
Long-term debt (excluding current maturities)	0	0
Subordinated stockholder debt	2,243	2,196
Intercompany payable	337	224
Other long-term liabilities	744	833
Deferred tax liabilities	0	0
Liabilities from discontinued operations		8,882
Total Liabilities	74,613	24,202
Stockholder’s equity	146,763	142,668
Total Liabilities and Stockholders' Equity	221,376	166,870
Canada SPV | Reportable Legal Entities
Assets:
Cash	0	0
Restricted cash	15,460	12,840
Loans receivable, net	157,868	136,187
Right of use asset - operating leases	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	0	0
Investment in subsidiaries	0	0
Other	0	0
Assets from discontinued operations		0
Total Assets	173,328	149,027
Liabilities and Stockholders' equity:
Accounts payable and accrued liabilities	9,717	4,980
Deferred revenue	44	40
Lease liability - operating leases	0
Income taxes payable	0	0
Accrued interest	847	831
Payable to CURO Holdings Corp.	0	0
CSO liability for losses	0	0
Deferred rent		0
Long-term debt (excluding current maturities)	88,915	107,479
Subordinated stockholder debt	0	0
Intercompany payable	73,837	44,330
Other long-term liabilities	0	0
Deferred tax liabilities	0	0
Liabilities from discontinued operations		0
Total Liabilities	173,360	157,660
Stockholder’s equity	(32)	(8,633)
Total Liabilities and Stockholders' Equity	173,328	149,027
CURO
Assets:
Cash	0	0
Restricted cash	0	0
Loans receivable, net	0	0
Right of use asset - operating leases	0
Deferred income taxes	6,445	0
Income taxes receivable	40,872	9,551
Prepaid expenses and other	0	0
Property and equipment, net	0	0
Goodwill	0	0
Other intangibles, net	0	0
Intercompany receivable	0	0
Investment in subsidiaries	(36,075)	(101,665)
Other	0	0
Assets from discontinued operations		0
Total Assets	11,242	(92,114)
Liabilities and Stockholders' equity:
Accounts payable and accrued liabilities	19	192
Deferred revenue	0	0
Lease liability - operating leases	0
Income taxes payable	26,737	0
Accrued interest	4,744	19,924
Payable to CURO Holdings Corp.	(738,730)	(768,345)
CSO liability for losses	0	0
Deferred rent		0
Long-term debt (excluding current maturities)	677,153	676,661
Subordinated stockholder debt	0	0
Intercompany payable	0	0
Other long-term liabilities	0	0
Deferred tax liabilities	4,575	(1,445)
Liabilities from discontinued operations		0
Total Liabilities	(25,502)	(73,013)
Stockholder’s equity	36,744	(19,101)
Total Liabilities and Stockholders' Equity	$ 11,242	$ (92,114)

CONDENSED CONSOLIDATING FINAN_5

CONDENSED CONSOLIDATING FINANCIAL INFORMATION - Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Condensed Income Statements, Captions [Line Items]
Revenue	$ 277,939	$ 250,843
Provision for losses	102,385	76,883
Net revenue	175,554	173,960
Cost of providing services
Salaries and benefits	28,701	26,918
Occupancy	14,237	13,427
Office	5,113	6,453
Other store operating expenses	14,220	13,431
Advertising	7,786	7,885
Total cost of providing services	70,057	68,114
Gross margin	105,497	105,846
Operating (income) expense:
Corporate, district and other expenses	49,088	35,429
Intercompany management fee	0	0
Interest expense	17,690	22,354
Intercompany interest (income) expense	0	0
Loss on extinguishment of debt	0	11,683
Total operating expense	66,778	69,466
Income from continuing operations before income taxes	38,719	36,380
Provision for income taxes	10,046	11,467
Net income from continuing operations	28,673	24,913
Net income (loss) from discontinued operations	8,375	(1,621)
Net income	37,048	23,292
Equity in net income (loss) of subsidiaries	37,048	23,292
CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0	0
CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0	0
Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0	0
SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0	0
Subsidiaries
Condensed Income Statements, Captions [Line Items]
Revenue		250,843
Provision for losses		76,883
Net revenue		173,960
Cost of providing services
Salaries and benefits		26,918
Occupancy		13,427
Office		6,453
Other store operating expenses		13,431
Advertising		7,885
Total cost of providing services		68,114
Gross margin		105,846
Operating (income) expense:
Corporate, district and other expenses		33,374
Intercompany management fee		0
Interest expense		22,354
Intercompany interest (income) expense		0
Loss on extinguishment of debt		11,683
Total operating expense		67,411
Income from continuing operations before income taxes		38,435
Provision for income taxes		12,000
Net income from continuing operations		26,435
Net income (loss) from discontinued operations		(1,621)
Net income		24,814
Equity in net income (loss) of subsidiaries		24,814
Subsidiaries | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
Subsidiaries | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
Subsidiaries | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
Subsidiaries | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
Subsidiaries | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
CURO
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
Other store operating expenses	0	0
Advertising	0	0
Total cost of providing services	0	0
Gross margin	0	0
Operating (income) expense:
Corporate, district and other expenses	2,342	2,055
Intercompany management fee	0	0
Interest expense	14,438	0
Intercompany interest (income) expense	0	0
Loss on extinguishment of debt		0
Total operating expense	16,780	2,055
Income from continuing operations before income taxes	(16,780)	(2,055)
Provision for income taxes	(5,008)	(533)
Net income from continuing operations	(11,772)	(1,522)
Net income (loss) from discontinued operations	0	0
Net income	(11,772)	(1,522)
Equity in net income (loss) of subsidiaries	37,048	23,292
CURO | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries	48,820	24,814
CURO | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
CURO | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0	0
CURO | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0	0
CURO | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0	0
Reportable Legal Entities | Subsidiary Guarantors
Condensed Income Statements, Captions [Line Items]
Revenue	226,119	128,408
Provision for losses	84,980	35,769
Net revenue	141,139	92,639
Cost of providing services
Salaries and benefits	19,951	18,018
Occupancy	8,010	7,646
Office	3,889	5,582
Other store operating expenses	13,132	12,030
Advertising	6,354	5,159
Total cost of providing services	51,336	48,435
Gross margin	89,803	44,204
Operating (income) expense:
Corporate, district and other expenses	41,538	27,992
Intercompany management fee	(3,403)	(6,443)
Interest expense	290	(112)
Intercompany interest (income) expense	(1,071)	(79)
Loss on extinguishment of debt		0
Total operating expense	37,354	21,358
Income from continuing operations before income taxes	52,449	22,846
Provision for income taxes	14,020	(1,585)
Net income from continuing operations	38,429	24,431
Net income (loss) from discontinued operations	0	0
Net income	38,429	24,431
Equity in net income (loss) of subsidiaries	87,249	24,431
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
Reportable Legal Entities | Subsidiary Guarantors | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	38,429	0
Reportable Legal Entities | Subsidiary Guarantors | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	1,575	0
Reportable Legal Entities | Subsidiary Guarantors | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries	8,816	0
Reportable Legal Entities | Subsidiary Non-Guarantors
Condensed Income Statements, Captions [Line Items]
Revenue	26,774	46,250
Provision for losses	4,099	12,550
Net revenue	22,675	33,700
Cost of providing services
Salaries and benefits	8,750	8,900
Occupancy	6,227	5,781
Office	1,224	871
Other store operating expenses	1,088	920
Advertising	1,432	2,726
Total cost of providing services	18,721	19,198
Gross margin	3,954	14,502
Operating (income) expense:
Corporate, district and other expenses	5,183	4,897
Intercompany management fee	3,395	3,035
Interest expense	71	57
Intercompany interest (income) expense	1,071	880
Loss on extinguishment of debt		0
Total operating expense	9,720	8,869
Income from continuing operations before income taxes	(5,766)	5,633
Provision for income taxes	1,034	1,929
Net income from continuing operations	(6,800)	3,704
Net income (loss) from discontinued operations	8,375	(1,621)
Net income	1,575	2,083
Equity in net income (loss) of subsidiaries	1,575	2,083
Reportable Legal Entities | Subsidiary Non-Guarantors | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0	0
Reportable Legal Entities | Subsidiary Non-Guarantors | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
Reportable Legal Entities | Subsidiary Non-Guarantors | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0	0
Reportable Legal Entities | Subsidiary Non-Guarantors | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0	0
Reportable Legal Entities | Subsidiary Non-Guarantors | 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	25,046
Provision for losses	13,306
Net revenue	11,740
Cost of providing services
Salaries and benefits	0
Occupancy	0
Office	0
Other store operating expenses	0
Advertising	0
Total cost of providing services	0
Gross margin	11,740
Operating (income) expense:
Corporate, district and other expenses	25
Intercompany management fee	8
Interest expense	2,891
Intercompany interest (income) expense	0
Total operating expense	2,924
Income from continuing operations before income taxes	8,816
Provision for income taxes	0
Net income from continuing operations	8,816
Net income (loss) from discontinued operations	0
Net income	8,816
Equity in net income (loss) of subsidiaries	8,816
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
Reportable Legal Entities | SPV Subs
Condensed Income Statements, Captions [Line Items]
Revenue		76,185
Provision for losses		28,564
Net revenue		47,621
Cost of providing services
Salaries and benefits		0
Occupancy		0
Office		0
Other store operating expenses		481
Advertising		0
Total cost of providing services		481
Gross margin		47,140
Operating (income) expense:
Corporate, district and other expenses		30
Intercompany management fee		3,408
Interest expense		4,087
Intercompany interest (income) expense		0
Loss on extinguishment of debt		0
Total operating expense		7,525
Income from continuing operations before income taxes		39,615
Provision for income taxes		0
Net income from continuing operations		39,615
Net income (loss) from discontinued operations		0
Net income		39,615
Equity in net income (loss) of subsidiaries		39,615
Reportable Legal Entities | SPV Subs | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
Reportable Legal Entities | SPV Subs | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
Reportable Legal Entities | SPV Subs | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
Reportable Legal Entities | SPV Subs | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
Reportable Legal Entities | SPV Subs | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
Eliminations
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
Other store operating expenses	0	0
Advertising	0	0
Total cost of providing services	0	0
Gross margin	0	0
Operating (income) expense:
Corporate, district and other expenses	0	0
Intercompany management fee	0	0
Interest expense	0	0
Intercompany interest (income) expense	0	0
Loss on extinguishment of debt		0
Total operating expense	0	0
Income from continuing operations before income taxes	0	0
Provision for income taxes	0	0
Net income from continuing operations	0	0
Net income (loss) from discontinued operations	0	0
Net income	0	0
Equity in net income (loss) of subsidiaries	(97,640)	(24,814)
Eliminations | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries	(48,820)	(24,814)
Eliminations | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
Eliminations | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	(38,429)	0
Eliminations | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	(1,575)	0
Eliminations | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries	$ (8,816)	0
Eliminations | Subsidiaries
Condensed Income Statements, Captions [Line Items]
Revenue		0
Provision for losses		0
Net revenue		0
Cost of providing services
Salaries and benefits		0
Occupancy		0
Office		0
Other store operating expenses		0
Advertising		0
Total cost of providing services		0
Gross margin		0
Operating (income) expense:
Corporate, district and other expenses		0
Intercompany management fee		0
Interest expense		0
Intercompany interest (income) expense		0
Loss on extinguishment of debt		0
Total operating expense		0
Income from continuing operations before income taxes		0
Provision for income taxes		0
Net income from continuing operations		0
Net income (loss) from discontinued operations		0
Net income		0
Equity in net income (loss) of subsidiaries		(50,047)
Eliminations | Subsidiaries | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
Eliminations | Subsidiaries | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries		17,703
Eliminations | Subsidiaries | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries		(24,431)
Eliminations | Subsidiaries | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries		(3,704)
Eliminations | Subsidiaries | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries		(39,615)
CFTC | Reportable Legal Entities | Subsidiary Issuer
Condensed Income Statements, Captions [Line Items]
Revenue		0
Provision for losses		0
Net revenue		0
Cost of providing services
Salaries and benefits		0
Occupancy		0
Office		0
Other store operating expenses		0
Advertising		0
Total cost of providing services		0
Gross margin		0
Operating (income) expense:
Corporate, district and other expenses		448
Intercompany management fee		0
Interest expense		18,322
Intercompany interest (income) expense		0
Loss on extinguishment of debt		11,683
Total operating expense		30,453
Income from continuing operations before income taxes		(30,453)
Provision for income taxes		(6,841)
Net income from continuing operations		(23,612)
Net income (loss) from discontinued operations		0
Net income		(23,612)
Equity in net income (loss) of subsidiaries		26,435
CFTC | Reportable Legal Entities | Subsidiary Issuer | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
CFTC | Reportable Legal Entities | Subsidiary Issuer | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries		(17,703)
CFTC | Reportable Legal Entities | Subsidiary Issuer | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries		24,431
CFTC | Reportable Legal Entities | Subsidiary Issuer | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries		3,704
CFTC | Reportable Legal Entities | Subsidiary Issuer | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries		39,615
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer
Condensed Income Statements, Captions [Line Items]
Revenue		0
Provision for losses		0
Net revenue		0
Cost of providing services
Salaries and benefits		0
Occupancy		0
Office		0
Other store operating expenses		0
Advertising		0
Total cost of providing services		0
Gross margin		0
Operating (income) expense:
Corporate, district and other expenses		7
Intercompany management fee		0
Interest expense		0
Intercompany interest (income) expense		(801)
Loss on extinguishment of debt		0
Total operating expense		(794)
Income from continuing operations before income taxes		794
Provision for income taxes		18,497
Net income from continuing operations		(17,703)
Net income (loss) from discontinued operations		0
Net income		(17,703)
Equity in net income (loss) of subsidiaries		(17,703)
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries		0
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries		$ 0

CONDENSED CONSOLIDATING FINAN_6

CONDENSED CONSOLIDATING FINANCIAL INFORMATION - Statements of Cash Flows (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018	Aug. 02, 2018
Cash flows from operating activities
Net cash provided by (used in) continuing operating activities		$ 140,999	$ 122,743
Net cash (used in) provided by discontinued operating activities		(504)	1,411
Cash flows from investing activities
Purchase of property, equipment and software		(3,119)	(1,542)
Originations of loans, net		(64,947)	(56,353)
Investment in Cognical Holdings		(1,568)	(958)
Net cash used in continuing investing activities		(69,634)	(58,853)
Net cash used in discontinued investing activities		(14,213)	(3,782)
Cash flows from financing activities
Payments to net share settle RSUs		(37)
Net proceeds from issuance of common stock		0	13,135
Payments on 12.00% Senior Secured Notes			(77,500)
Proceeds from exercise of stock options		40	0
Payments of call premiums from early debt extinguishments			(9,300)
Debt issuance costs paid		(199)	(71)
Net cash used in financing activities	[1]	(41,265)	(83,255)
Effect of exchange rate changes on cash and restricted cash		1,938	(4,360)
Net increase (decrease) in cash and restricted cash		17,321	(26,096)
Cash and restricted cash at beginning of period		99,857	174,491
Cash and restricted cash at end of period		117,178	148,395
Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		3,762
Payments on credit facilities		(24,831)	0
Senior Revolver
Cash flows from financing activities
Proceeds from credit facilities		30,478
Payments on credit facilities		(50,478)
Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		0	3,000
Payments on credit facilities		0	(12,519)
Revolving Credit Facility | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		3,762	0
Revolving Credit Facility | Non-Recourse Canada SPV Facility | Line of Credit
Cash flows from financing activities
Stated interest rate (as percent)				6.75%
Revolving Credit Facility | Senior Revolver | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities		30,478	10,000
Payments on credit facilities		(50,478)	(10,000)
Eliminations
Cash flows from operating activities
Net cash provided by (used in) continuing operating activities		246
Net cash (used in) provided by discontinued operating activities		0
Cash flows from investing activities
Purchase of property, equipment and software		0
Originations of loans, net		0
Investment in Cognical Holdings		0
Net cash used in continuing investing activities		0
Net cash used in discontinued investing activities		0
Cash flows from financing activities
Payments to net share settle RSUs		0
Proceeds from exercise of stock options		0
Debt issuance costs paid		0
Net cash used in financing activities		0
Effect of exchange rate changes on cash and restricted cash		(246)
Net increase (decrease) in cash and restricted cash		0
Cash and restricted cash at beginning of period		0
Cash and restricted cash at end of period		0
Eliminations | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		0
Payments on credit facilities		0
Eliminations | Senior Revolver
Cash flows from financing activities
Proceeds from credit facilities		0
Payments on credit facilities		0
Subsidiary Guarantors | Reportable Legal Entities
Cash flows from operating activities
Net cash provided by (used in) continuing operating activities		88,291	(5,956)
Net cash (used in) provided by discontinued operating activities		0	0
Cash flows from investing activities
Purchase of property, equipment and software		(2,430)	(788)
Originations of loans, net		(38,226)	(28,277)
Investment in Cognical Holdings		(1,568)	0
Net cash used in continuing investing activities		(42,224)	(29,065)
Net cash used in discontinued investing activities		0	0
Cash flows from financing activities
Payments to net share settle RSUs		0
Net proceeds from issuance of common stock			0
Payments on 12.00% Senior Secured Notes			0
Proceeds from exercise of stock options		40
Payments of call premiums from early debt extinguishments			0
Debt issuance costs paid		0	0
Net cash used in financing activities		(19,960)	0
Effect of exchange rate changes on cash and restricted cash		0	0
Net increase (decrease) in cash and restricted cash		26,107	(35,021)
Cash and restricted cash at beginning of period		52,397	119,056
Cash and restricted cash at end of period		78,504	84,035
Subsidiary Guarantors | Reportable Legal Entities | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		0
Payments on credit facilities		0
Subsidiary Guarantors | Reportable Legal Entities | Senior Revolver
Cash flows from financing activities
Proceeds from credit facilities		15,000
Payments on credit facilities		(35,000)
Subsidiary Guarantors | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities			0
Payments on credit facilities			0
Subsidiary Guarantors | Reportable Legal Entities | Revolving Credit Facility | Senior Revolver | Line of Credit
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 (used in) continuing operating activities		(1,574)	15,391
Net cash (used in) provided by discontinued operating activities		(504)	6,958
Cash flows from investing activities
Purchase of property, equipment and software		(689)	(754)
Originations of loans, net		3,652	(13,767)
Investment in Cognical Holdings		0	0
Net cash used in continuing investing activities		2,963	(14,521)
Net cash used in discontinued investing activities		(14,213)	(3,782)
Cash flows from financing activities
Payments to net share settle RSUs		0
Net proceeds from issuance of common stock			0
Payments on 12.00% Senior Secured Notes			0
Proceeds from exercise of stock options		0
Payments of call premiums from early debt extinguishments			0
Debt issuance costs paid		0	0
Net cash used in financing activities		0	0
Effect of exchange rate changes on cash and restricted cash		1,922	(438)
Net increase (decrease) in cash and restricted cash		(11,406)	3,608
Cash and restricted cash at beginning of period		34,620	48,484
Cash and restricted cash at end of period		23,214	52,092
Subsidiary Non-Guarantors | Reportable Legal Entities | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		0
Payments on credit facilities		0
Subsidiary Non-Guarantors | Reportable Legal Entities | Senior Revolver
Cash flows from financing activities
Proceeds from credit facilities		15,478
Payments on credit facilities		(15,478)
Subsidiary Non-Guarantors | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities			0
Payments on credit facilities			0
Subsidiary Non-Guarantors | Reportable Legal Entities | Revolving Credit Facility | Senior Revolver | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities			0
Payments on credit facilities			0
SPV Subs | Reportable Legal Entities
Cash flows from operating activities
Net cash provided by (used in) continuing operating activities			29,225
Net cash (used in) provided by discontinued operating activities			0
Cash flows from investing activities
Purchase of property, equipment and software			0
Originations of loans, net			(14,309)
Investment in Cognical Holdings			0
Net cash used in continuing investing activities			(14,309)
Net cash used in discontinued investing activities			0
Cash flows from financing activities
Net proceeds from issuance of common stock			0
Payments on 12.00% Senior Secured Notes			0
Payments of call premiums from early debt extinguishments			0
Debt issuance costs paid			0
Net cash used in financing activities			(9,519)
Effect of exchange rate changes on cash and restricted cash			0
Net increase (decrease) in cash and restricted cash			5,397
Cash and restricted cash at beginning of period			6,871
Cash and restricted cash at end of period			12,268
SPV Subs | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities			3,000
Payments on credit facilities			(12,519)
SPV Subs | Reportable Legal Entities | Revolving Credit Facility | Senior Revolver | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities			0
Payments on credit facilities			0
Canada SPV | Reportable Legal Entities
Cash flows from operating activities
Net cash provided by (used in) continuing operating activities		53,969
Net cash (used in) provided by discontinued operating activities		0
Cash flows from investing activities
Purchase of property, equipment and software		0
Originations of loans, net		(30,373)
Investment in Cognical Holdings		0
Net cash used in continuing investing activities		(30,373)
Net cash used in discontinued investing activities		0
Cash flows from financing activities
Payments to net share settle RSUs		0
Proceeds from exercise of stock options		0
Debt issuance costs paid		(169)
Net cash used in financing activities		(21,238)
Effect of exchange rate changes on cash and restricted cash		262
Net increase (decrease) in cash and restricted cash		2,620
Cash and restricted cash at beginning of period		12,840
Cash and restricted cash at end of period		15,460
Canada SPV | Reportable Legal Entities | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		3,762
Payments on credit facilities		(24,831)
Canada SPV | Reportable Legal Entities | Senior Revolver
Cash flows from financing activities
Proceeds from credit facilities		0
Payments on credit facilities		0
Subsidiaries
Cash flows from operating activities
Net cash provided by (used in) continuing operating activities			135,958
Net cash (used in) provided by discontinued operating activities			1,411
Cash flows from investing activities
Purchase of property, equipment and software			(1,542)
Originations of loans, net			(56,353)
Investment in Cognical Holdings			(958)
Net cash used in continuing investing activities			(58,853)
Net cash used in discontinued investing activities			(3,782)
Cash flows from financing activities
Net proceeds from issuance of common stock			0
Payments on 12.00% Senior Secured Notes			(77,500)
Payments of call premiums from early debt extinguishments			(9,300)
Debt issuance costs paid			(71)
Net cash used in financing activities			(96,390)
Effect of exchange rate changes on cash and restricted cash			(4,360)
Net increase (decrease) in cash and restricted cash			(26,016)
Cash and restricted cash at beginning of period			174,411
Cash and restricted cash at end of period			148,395
Subsidiaries | Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities			3,000
Payments on credit facilities			(12,519)
Subsidiaries | Revolving Credit Facility | Senior Revolver | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities			10,000
Payments on credit facilities			(10,000)
Subsidiaries | Eliminations
Cash flows from operating activities
Net cash provided by (used in) continuing operating activities			9,469
Net cash (used in) provided by discontinued operating activities			(5,547)
Cash flows from investing activities
Purchase of property, equipment and software			0
Originations of loans, net			0
Investment in Cognical Holdings			0
Net cash used in continuing investing activities			0
Net cash used in discontinued investing activities			0
Cash flows from financing activities
Net proceeds from issuance of common stock			0
Payments on 12.00% Senior Secured Notes			0
Payments of call premiums from early debt extinguishments			0
Debt issuance costs paid			0
Net cash used in financing activities			0
Effect of exchange rate changes on cash and restricted cash			(3,922)
Net increase (decrease) in cash and restricted cash			0
Cash and restricted cash at beginning of period			0
Cash and restricted cash at end of period			0
Subsidiaries | Eliminations | Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities			0
Payments on credit facilities			0
Subsidiaries | Eliminations | Revolving Credit Facility | Senior Revolver | Line of Credit
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 (used in) continuing operating activities		67	(13,215)
Net cash (used in) provided by discontinued operating activities		0	0
Cash flows from investing activities
Purchase of property, equipment and software		0	0
Originations of loans, net		0	0
Investment in Cognical Holdings		0	0
Net cash used in continuing investing activities		0	0
Net cash used in discontinued investing activities		0	0
Cash flows from financing activities
Payments to net share settle RSUs		(37)
Net proceeds from issuance of common stock			13,135
Payments on 12.00% Senior Secured Notes			0
Proceeds from exercise of stock options		0
Payments of call premiums from early debt extinguishments			0
Debt issuance costs paid		(30)	0
Net cash used in financing activities		(67)	13,135
Effect of exchange rate changes on cash and restricted cash		0	0
Net increase (decrease) in cash and restricted cash		0	(80)
Cash and restricted cash at beginning of period		0	80
Cash and restricted cash at end of period		0	0
CURO | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		0
Payments on credit facilities		0
CURO | Senior Revolver
Cash flows from financing activities
Proceeds from credit facilities		0
Payments on credit facilities		$ 0
CURO | Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities			0
Payments on credit facilities			0
CURO | Revolving Credit Facility | Senior Revolver | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities			0
Payments on credit facilities			0
CFTC | Subsidiary Issuer | Reportable Legal Entities
Cash flows from operating activities
Net cash provided by (used in) continuing operating activities			87,829
Net cash (used in) provided by discontinued operating activities			0
Cash flows from investing activities
Purchase of property, equipment and software			0
Originations of loans, net			0
Investment in Cognical Holdings			(958)
Net cash used in continuing investing activities			(958)
Net cash used in discontinued investing activities			0
Cash flows from financing activities
Net proceeds from issuance of common stock			0
Payments on 12.00% Senior Secured Notes			(77,500)
Payments of call premiums from early debt extinguishments			(9,300)
Debt issuance costs paid			(71)
Net cash used in financing activities			(86,871)
Effect of exchange rate changes on cash and restricted cash			0
Net increase (decrease) in cash and restricted cash			0
Cash and restricted cash at beginning of period			0
Cash and restricted cash at end of period			0
CFTC | Subsidiary Issuer | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities			0
Payments on credit facilities			0
CFTC | Subsidiary Issuer | Reportable Legal Entities | Revolving Credit Facility | Senior Revolver | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities			10,000
Payments on credit facilities			(10,000)
CURO Intermediate | Subsidiary Issuer | Reportable Legal Entities
Cash flows from operating activities
Net cash provided by (used in) continuing operating activities			0
Net cash (used in) provided by discontinued operating activities			0
Cash flows from investing activities
Purchase of property, equipment and software			0
Originations of loans, net			0
Investment in Cognical Holdings			0
Net cash used in continuing investing activities			0
Net cash used in discontinued investing activities			0
Cash flows from financing activities
Net proceeds from issuance of common stock			0
Payments on 12.00% Senior Secured Notes			0
Payments of call premiums from early debt extinguishments			0
Debt issuance costs paid			0
Net cash used in financing activities			0
Effect of exchange rate changes on cash and restricted cash			0
Net increase (decrease) in cash and restricted cash			0
Cash and restricted cash at beginning of period			0
Cash and restricted cash at end of period			0
CURO Intermediate | Subsidiary Issuer | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse U.S. SPV Facility
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 | Senior Revolver | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities			0
Payments on credit facilities			$ 0
[1]	(1) Financing activities include continuing operations only and were not impacted by discontinued operations

SUBSEQUENT EVENTS (Details)

SUBSEQUENT EVENTS (Details) - Subsequent Event	1 Months Ended
	Apr. 30, 2019USD ($)
Subsequent Event [Line Items]
Authorized repurchase amount	$ 50,000,000
Cognical Holdings, Inc. | Minimum
Subsequent Event [Line Items]
Ownership percentage	30.00%
Cognical Holdings, Inc. | Maximum
Subsequent Event [Line Items]
Ownership percentage	35.00%
Cognical Holdings, Inc.
Subsequent Event [Line Items]
Additional cash investment	$ 2,800,000