CURO (CUROQ) 10-Q 5 Aug 19 2019 Q2 Quarterly report Financial data

DOCUMENT AND ENTITY INFORMATION

DOCUMENT AND ENTITY INFORMATION - shares	6 Months Ended
	Jun. 30, 2019	Aug. 02, 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	Jun. 30, 2019
Amendment Flag	false
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q2
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Shell Company	false
Entity Current Reporting Status	Yes
Entity common stock shares outstanding (in shares)		45,267,762

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
ASSETS
Cash	$ 92,297	$ 61,175
Restricted cash (includes restricted cash of consolidated VIEs of $14,819 and $12,840 as of June 30, 2019 and December 31, 2018, respectively)	33,712	25,439
Gross loans receivable (includes loans of consolidated VIEs of $215,309 and $148,876 as of June 30, 2019 and December 31, 2018, respectively)	609,593	571,531
Less: allowance for loan losses (includes allowance for losses of consolidated VIEs of $25,188 and $12,688 as of June 30, 2019 and December 31, 2018, respectively)	(101,877)	(73,997)
Loans receivable, net	507,716	497,534
Right of use asset - operating leases (Note 1)	140,982
Deferred income taxes	2,637	1,534
Income taxes receivable	37,579	16,741
Prepaid expenses and other	30,241	43,588
Property and equipment, net	72,993	76,750
Goodwill	120,450	119,281
Other intangibles, net of accumulated amortization	30,657	29,784
Other	16,091	12,930
Assets from discontinued operations (Note 15)	0	34,861
Total Assets	1,085,355	919,617
LIABILITIES AND STOCKHOLDERS' EQUITY
Accounts payable and accrued liabilities	59,274	49,146
Deferred revenue	8,712	9,483
Lease liability - operating leases (Note 1)	148,843
Income taxes payable	0	1,579
Accrued interest (includes accrued interest of consolidated VIEs of $713 and $831 as of June 30, 2019 and December 31, 2018, respectively)	19,690	20,904
Liability for losses on CSO lender-owned consumer loans	9,504	12,007
Deferred rent	0	10,851
Long-term debt (includes long-term debt and issuance costs of consolidated VIEs of $94,565 and $3,588 as of June 30, 2019 and $111,335 and $3,856 as of December 31, 2018, respectively)	768,512	804,140
Subordinated stockholder debt	0	2,196
Other long-term liabilities	8,594	5,800
Deferred tax liabilities	4,848	13,730
Liabilities from discontinued operations (Note 15)	0	8,882
Total Liabilities	1,027,977	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; 46,499,482 and 46,412,231 shares issued as of June 30, 2019 and December 31, 2018, respectively; and 46,255,282 and 46,412,231 shares outstanding as of June 30, 2019 and December 31, 2018, respectively	9	9
Treasury stock, at cost - 244,200 shares as of June 30, 2019	(2,507)	0
Paid-in capital	64,790	60,015
Retained earnings (accumulated deficit)	35,816	(18,065)
Accumulated other comprehensive loss	(40,730)	(61,060)
Total Stockholders' Equity	57,378	(19,101)
Total Liabilities and Stockholders' Equity	$ 1,085,355	$ 919,617

CONDENSED CONSOLIDATED BALANC_2

CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Restricted cash	$ 33,712	$ 25,439
Total gross loans receivable	609,593	571,531
Allowance for losses	101,877	73,997
Accrued interest	19,690	20,904
Long-term debt	$ 768,512	$ 804,140
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)	46,499,482	46,412,231
Class A common stock, outstanding (in shares)	46,255,282	46,412,231
Treasury stock (in shares)	244,200
Variable Interest Entity
Restricted cash	$ 14,819	$ 12,840
Restricted cash		12,840
Total gross loans receivable	215,309	148,876
Allowance for losses	25,188	12,688
Accrued interest	713	831
Accrued interest		831
Long-term debt	94,565	111,335
Issuance costs	$ 3,588	$ 3,856

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2019	Mar. 31, 2019	Jun. 30, 2018	Mar. 31, 2018	Jun. 30, 2019	Jun. 30, 2018
Income Statement [Abstract]
Revenue	$ 264,300		$ 237,169		$ 542,239	$ 488,012
Provision for losses	112,010		86,347		214,395	163,230
Net revenue	152,290		150,822		327,844	324,782
Cost of providing services
Salaries and benefits	26,086		26,908		54,787	53,826
Occupancy	13,932		13,320		28,169	26,747
Office	5,457		5,532		10,570	11,985
Other costs of providing services	12,854		12,601		27,074	26,032
Advertising	12,780		15,113		20,566	22,998
Total cost of providing services	71,109		73,474		141,166	141,588
Gross margin	81,181		77,348		186,678	183,194
Operating expense
Corporate, district and other expenses	39,038		32,980		88,126	68,409
Interest expense	17,023		20,472		34,713	42,826
Loss on extinguishment of debt	0		0		0	11,683
Total operating expense	56,061		53,452		122,839	122,918
Income from continuing operations before income taxes	25,120		23,896		63,839	60,276
Provision for income taxes	7,453		5,178		17,499	16,645
Net income from continuing operations	17,667	$ 28,673	18,718	$ 24,913	46,340	43,631
Net (loss) income from discontinued operations, net of tax	(834)	$ 8,375	(2,743)	$ (1,621)	7,541	(4,364)
Net income	$ 16,833		$ 15,975		$ 53,881	$ 39,267
Weighted average common shares outstanding:
Basic (in shares)	46,451		45,650		46,438	45,578
Diluted (in shares)	47,107		47,996		47,335	47,757
Basic income (loss) per share:
Continuing operations (in dollars per share)	$ 0.38		$ 0.41		$ 1	$ 0.96
Discontinued operations (in dollars per share)	(0.02)		(0.06)		0.16	(0.10)
Basic earnings per share (in dollars per share)	0.36		0.35		1.16	0.86
Diluted income (loss) per share:
Continuing operations (in dollars per share)	0.38		0.39		0.98	0.92
Discontinued operations (in dollars per share)	(0.02)		(0.06)		0.16	(0.10)
Diluted earnings per share (in dollars per share)	$ 0.36		$ 0.33		$ 1.14	$ 0.82

CONDENSED CONSOLIDATED STATEM_2

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Statement of Comprehensive Income [Abstract]
Net income	$ 16,833	$ 15,975	$ 53,881	$ 39,267
Other comprehensive income (loss):
Cash flow hedges, net of $0 tax in both periods	0		0
Cash flow hedges, net of $0 tax in both periods		(439)		(385)
Foreign currency translation adjustment, net of $0 tax in both periods	3,635	(6,752)	20,330	(9,663)
Other comprehensive income (loss)	3,635	(7,191)	20,330	(10,048)
Comprehensive income	$ 20,468	$ 8,784	$ 74,211	$ 29,219

CONDENSED CONSOLIDATED STATEM_3

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Statement of Comprehensive Income [Abstract]
Cash flow hedges, tax effect	$ 0		$ 0
Cash flow hedges, tax effect		$ 0		$ 0
Foreign currency translation adjustment, tax effect	$ 0	$ 0	$ 0	$ 0

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands		Mar. 07, 2018	Jun. 30, 2019	Mar. 31, 2019	Jun. 30, 2018	Mar. 31, 2018	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018
Cash flows from operating activities
Net income from continuing operations			$ 17,667	$ 28,673	$ 18,718	$ 24,913	$ 46,340	$ 43,631
Adjustments to reconcile net income to net cash provided by continuing operating activities:
Depreciation and amortization							9,571	9,005
Provision for losses			112,010		86,347		214,395	163,230
Amortization of debt issuance costs and bond (premium)/discount							1,568	2,117
Deferred income tax (benefit) expense							(3,596)	3,199
Loss on disposal of property and equipment							1,834	517
Loss on extinguishment of debt			0		0		0	11,683
Increase in cash surrender value of life insurance							(991)	(2,223)
Share-based compensation expense							4,816	4,023
Changes in operating assets and liabilities:
Accrued fees and service charges on loans receivable							(1,171)	2,928
Prepaid expenses and other assets							16,344	5,853
Other assets							(3,790)	0
Accounts payable and accrued liabilities							9,527	(2,080)
Deferred revenue							(915)	(1,193)
Income taxes payable							25,123	26,727
Income taxes receivable							(8,253)	(18,436)
Deferred rent							0	127
Accrued Interest							(1,247)	(3,284)
Other liabilities							2,764	909
Net cash provided by continuing operating activities							312,319	246,733
Net cash (used in) provided by discontinued operating activities							(504)	5,458
Net cash provided by operating activities							311,815	252,191
Cash flows from investing activities
Purchase of property, equipment and software							(6,164)	(2,957)
Loans receivable originated or acquired							(879,081)	(1,063,072)
Loans receivable repaid							661,882	868,436
Investments in Cognical Holdings							(4,368)	(958)
Net cash used in continuing investing activities							(227,731)	(198,551)
Net cash used in discontinued investing activities							(14,213)	(14,349)
Net cash used in investing activities							(241,944)	(212,900)
Cash flows from financing activities
Net proceeds from issuance of common stock							0	12,431
Payments on 12.00% Senior Secured Notes								(77,500)
Debt issuance costs paid							(198)	(168)
Payments on subordinated stockholder debt							(2,245)	0
Payments of call premiums from early debt extinguishments							0	(9,300)
Proceeds from exercise of stock options							27	39
Repurchase of common stock							(1,762)	0
Net cash used in financing activities	[1]						(45,180)	(80,661)
Effect of exchange rate changes on cash and restricted cash							1,461	(4,189)
Net increase (decrease) in cash and restricted cash							26,152	(45,559)
Cash and restricted cash at beginning of period				$ 99,857		$ 174,491	99,857	174,491	$ 174,491
Cash and restricted cash at end of period			126,009		128,932		126,009	128,932	$ 99,857
Less: Cash and restricted cash of discontinued operations at end of period			0		12,460		0	12,460
Cash and restricted cash of continuing operations at end of period			$ 126,009		$ 116,472		126,009	116,472
Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities							0
Payments on credit facilities							0
Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities							3,750
Payments on credit facilities							(24,752)
12% Senior Secured Notes | Senior Notes
Adjustments to reconcile net income to net cash provided by continuing operating activities:
Loss on extinguishment of debt		$ 11,700
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							68,002
Payments on credit facilities							(88,002)
Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities							0	13,000
Payments on credit facilities							0	(19,163)
Revolving Credit Facility | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities							3,750	0
Payments on credit facilities							(24,752)	0
Revolving Credit Facility | Senior Revolver | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities							68,002	18,798
Payments on credit facilities							$ (88,002)	$ (18,798)
[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	Dec. 31, 2018	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	6 Months Ended
	Jun. 30, 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 ("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 filed with the Securities and Exchange Commission (the "SEC") on March 18, 2019 ("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. Additionally, in September 2018, and subsequently expanded in June 2019, the SEC changed the definition of a smaller reporting company ("SRC"). The change in definition of an SRC would allow more registrants to qualify to report under scaled disclosure requirements. Under these rules, CURO meets the definition of an SRC as of June 30, 2019. The 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 United Kingdom ("U.K.") operations were 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. Equity Investment in Unconsolidated Entity In April 2019, as part of a broader capital structure reorganization by the investee company, the Company made an additional $2.8 million cash investment in Cognical Holdings, which operates under the Zibby brand. See Note 8 - "Financial Instruments" for additional detail on the adjustment to fair value for the quarter ended June 30, 2019. 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 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 and 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 considers 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. 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 for accounting purposes and applied prospectively effective January 1, 2019. The change affects comparability to prior periods as follows: • Gross combined loans receivable: balances as of June 30, 2019 include $35.4 million of Open-End loans that are up to 90 days past-due with related accrued interest, while such balances for periods prior to March 31, 2019 do not include any past due loans. • Revenues: for the three and six months ended June 30, 2019, gross revenues include interest earned on past-due loan balances of approximately $12 million and $21 million , respectively, while revenues in prior-year periods do not include comparable amounts. • Provision for Losses : prospectively, 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 Allowance for loan losses. Because NCOs prospectively include unpaid principal and up to 90 days of related accrued interest, NCO amounts and rates are higher and the 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 increased to 18.3% at June 30, 2019 , compared to 10.7% in the same prior-year period. Correction of Immaterial Errors 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 $48.2 million from net Cash provided by operating activities to net Cash used in investing activities for the six months ended June 30, 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 and six months ended June 30, 2018. The Company has revised its Condensed Consolidated Financial Statements for the six months ended June 30, 2018 presented in this Form 10-Q. A summary of the correction follows: (dollars in thousands) Six Months Ended June 30, 2018 As Reported: (1) Net cash provided by continuing operating activities $ 52,097 Net cash used in continuing investing activities (3,915 ) As Corrected: Net cash provided by continuing operating activities 246,733 Net cash used in continuing investing activities (198,551 ) (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") issued 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. Due to the adoption of the new standard, the right of use assets ("ROU assets") and additional operating lease liabilities ("lease liabilities") as of June 30, 2019 were $141.0 million and $148.8 million , respectively. 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. Recently Issued Accounting Pronouncements Not Yet Adopted Accounting Pronouncements Related to the Current Expected Credit Loss ("CECL") Standard ASU 2016-13 In June 2016, the FASB issued ASU 2016-13, “Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments,” and subsequent amendments to the guidance: ASU 2018-19 in November 2018, ASU 2019-04 in April 2019, and ASU 2019-05 in May 2019. The standard, as amended, changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. The standard will replace the current “incurred loss” approach with an “expected loss” model for instruments measured at amortized cost. For available-for-sale debt securities, entities will be required to record allowances rather than reduce the carrying amount, as they currently do under the other-than-temporary impairment model. The standard also simplifies the accounting model for purchased credit-impaired debt securities and loans. The amendment will affect loans, debt securities, trade receivables, net investments in leases, off-balance sheet credit exposures, reinsurance receivables, and any other financial assets not excluded from the scope that have the contractual right to receive cash. ASU 2019-04 clarifies that equity instruments without readily determinable fair values for which an entity has elected the measurement alternative should be remeasured to fair value as of the date that an observable transaction occurred. ASU 2019-05 provides an option to irrevocably elect to measure certain individual financial assets at fair value instead of amortized cost. The amendments should be applied on either a prospective transition or modified-retrospective approach depending on the subtopic. As issued, this ASU 2016-13 is effective for annual periods beginning after December 15, 2019, and interim periods therein. Early adoption is permitted for annual periods beginning after December 15, 2018, and interim periods therein. The Company is evaluating its alternatives with respect to the available accounting methods under ASU 2016‑13, including the fair value option. If the fair value option is not utilized, adoption of ASU 2016-13 will increase the allowance for credit losses with a resulting negative adjustment to retained earnings on the date of adoption. Additionally, as disclosed below, the Company is evaluating the impact of the FASB's definition of a SRC to the adoption of ASU 2016-13. ASU 2019-05 In May 2019, the FASB issued ASU 2019-05, which amends ASU 2016-13 to allow companies to irrevocably elect, upon adoption of ASU 2016-13, the fair value option on financial instruments that (i) were previously recorded at amortized cost and (ii) are within the scope of ASC 326-203 if the instruments are eligible for the fair value option under ASC 825-10. The fair value option election does not apply to held-to-maturity debt securities. Entities are required to make this election on an instrument-by-instrument basis. ASU 2019-05’s amendments should be applied on a modified-retrospective basis by means of a cumulative-effect adjustment to the opening balance of retained earnings in the statement of financial position as of the date that an entity adopted the amendments in ASU 2016-13. For entities that have adopted ASU 2016-13, the amendments in ASU 2019-05 are effective for fiscal years beginning after December 15, 2019, including interim periods therein. An entity may early adopt the ASU in any interim period after its issuance if the entity has adopted ASU 2016-13. For all other entities, the effective date will be the same as the effective date for ASU 2016-13. We are currently evaluating the methods and impact of adopting this new standard on the Condensed Consolidated Financial Statements. ASU 2019-04 In May 2019, the FASB issued ASU 2019-04, which clarifies certain aspects of accounting for credit losses, hedging activities, and financial instruments. The ASU’s amendments apply to all entities within the scope of the affected guidance. Accrued interest - Amortized cost basis is defined in ASU 2016-13 as "the amount at which a financing receivable or investment is originated or acquired, adjusted for applicable accrued interest, accretion or amortization of premium, discount, and net deferred fees or costs, collection of cash, write-offs, foreign exchange, and fair value hedge accounting adjustments". To address stakeholders’ concerns that the inclusion of accrued interest in the definition of amortized cost basis could make application of the credit loss guidance operationally burdensome, ASU 2019-04 provides certain alternatives for the measurement of the allowance for credit losses (ALL) on accrued interest receivable (AIR). These measurement alternatives include (1) measuring an ALL on AIR separately, (2) electing to provide separate disclosure of the AIR component of amortized cost as a practical expedient, and (3) making accounting policy elections to simplify certain aspects of the presentation and measurement of such AIR. As issued, for entities that have adopted ASU 2016-13, the amendments in ASU 2019-04 related to ASU 2016-13 are effective for fiscal years beginning after December 15, 2019, and interim periods therein. ASU 2019-04’s amendments should be applied "on a modified-retrospective basis by means of a cumulative-effect adjustment to the opening retained earnings balance in the statement of financial position as of the date an entity adopted the amendments in ASU 2016-13." Certain disclosures are also required. For all other entities, the effective date will be the same as the effective date in ASU 2016-13. FASB Definition of a Smaller Reporting Company ("SRC") as related to the CECL standard and evaluation of the impact of the CECL standard On July 17, 2019, the FASB issued for a 30-day comment period a draft proposal that would reconsider its philosophy for establishing effective dates for major projects for certain classes of companies, including SRCs. Under current SEC definitions, CURO meets the definition of an SRC as of June 30, 2019. The proposed standard would defer required adoption of the CECL standard for SRCs until fiscal periods beginning after December 15, 2022. The Company will continue to monitor the standard setting activities of the FASB and evaluate their potential impact on the adoption of accounting standards such as ASU 2016-13 and ASU 2019-04. We are currently evaluating the methods and impact of adopting the CECL standard on the Condensed Consolidated Financial Statements. SEC Disclosure Update In August 2018, the 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 and six months ended June 30, 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	6 Months Ended
	Jun. 30, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
VARIABLE INTEREST ENTITIES	VARIABLE INTEREST ENTITIES In August 2018, the Company closed the Non-Recourse Canada SPV facility, whereby certain loan receivables were sold to wholly-owned, bankruptcy-remote special purpose subsidiaries ("VIEs") to collateralize debt incurred under the facility. As the Company is the primary beneficiary of the VIEs, it 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) June 30, 2019 December 31, 2018 Assets Restricted cash $ 14,819 $ 12,840 Gross loans receivable less allowance for loan losses 190,121 136,187 Total Assets $ 204,940 $ 149,027 Liabilities Accounts payable and accrued liabilities $ 15,020 $ 4,980 Deferred revenue 45 40 Accrued interest 713 831 Long-term debt 90,977 107,479 Total Liabilities $ 106,755 $ 113,330

LOANS RECEIVABLE AND REVENUE

LOANS RECEIVABLE AND REVENUE	6 Months Ended
	Jun. 30, 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 June 30, Six Months Ended June 30, (in thousands) 2019 2018 2019 2018 Unsecured Installment $ 122,112 $ 114,936 $ 257,890 $ 240,315 Secured Installment 26,076 25,777 53,553 52,633 Open-End 54,972 27,222 107,841 54,445 Single-Pay 45,528 58,325 92,289 118,682 Ancillary 15,612 10,909 30,666 21,937 Total revenue $ 264,300 $ 237,169 $ 542,239 $ 488,012 The following tables summarize Loans receivable by product and the related delinquent loans receivable at June 30, 2019: June 30, 2019 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Total Current loans receivable $ 76,126 $ 126,685 $ 71,218 $ 247,915 $ 521,944 Delinquent loans receivable — 38,037 14,216 35,396 87,649 Total loans receivable 76,126 164,722 85,434 283,311 609,593 Less: allowance for losses (4,941 ) (35,223 ) (9,996 ) (51,717 ) (101,877 ) Loans receivable, net $ 71,185 $ 129,499 $ 75,438 $ 231,594 $ 507,716 June 30, 2019 (in thousands) Unsecured Installment Secured Installment Open-End Total Delinquent loans receivable 0-30 days past due $ 14,995 $ 7,096 $ 14,997 $ 37,088 31-60 days past due 11,176 3,358 9,455 23,989 61-90 days past due 11,866 3,762 10,944 26,572 Total delinquent loans receivable $ 38,037 $ 14,216 $ 35,396 $ 87,649 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 June 30, 2019: June 30, 2019 (in thousands) Unsecured Installment Secured Installment Total Current loans receivable guaranteed by the Company $ 54,968 $ 1,930 $ 56,898 Delinquent loans receivable guaranteed by the Company 10,087 354 10,441 Total loans receivable guaranteed by the Company 65,055 2,284 67,339 Less: Liability for losses on CSO lender-owned consumer loans (9,433 ) (71 ) (9,504 ) Loans receivable guaranteed by the Company, net $ 55,622 $ 2,213 $ 57,835 June 30, 2019 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past due $ 8,511 $ 299 $ 8,810 31-60 days past due 1,052 37 1,089 61-90 days past due 524 18 542 Total delinquent loans receivable $ 10,087 $ 354 $ 10,441 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 June 30, 2019 : Three Months Ended June 30, 2019 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 3,897 $ 33,666 $ 9,796 $ 46,963 $ — $ 94,322 Charge-offs (35,759 ) (37,336 ) (10,295 ) (30,688 ) (1,342 ) (115,420 ) Recoveries 24,301 5,366 2,693 5,537 822 38,719 Net charge-offs (11,458 ) (31,970 ) (7,602 ) (25,151 ) (520 ) (76,701 ) Provision for losses 12,446 33,514 7,802 29,373 520 83,655 Effect of foreign currency translation 56 13 — 532 — 601 Balance, end of period $ 4,941 $ 35,223 $ 9,996 $ 51,717 $ — $ 101,877 Allowance for loan losses as a percentage of gross loan receivables 6.5 % 21.4 % 11.7 % 18.3 % N/A 16.7 % The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the three months ended June 30, 2019 : Three Months Ended (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 8,583 $ 78 $ 8,661 Charge-offs (34,564 ) (683 ) (35,247 ) Recoveries 7,078 657 7,735 Net charge-offs (27,486 ) (26 ) (27,512 ) Provision for losses 28,336 19 28,355 Balance, end of period $ 9,433 $ 71 $ 9,504 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 June 30, 2019 : Three Months Ended June 30, 2019 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 3,897 $ 42,249 $ 9,874 $ 46,963 $ — $ 102,983 Charge-offs (35,759 ) (71,900 ) (10,978 ) (30,688 ) (1,342 ) (150,667 ) Recoveries 24,301 12,444 3,350 5,537 822 46,454 Net charge-offs (11,458 ) (59,456 ) (7,628 ) (25,151 ) (520 ) (104,213 ) Provision for losses 12,446 61,850 7,821 29,373 520 112,010 Effect of foreign currency translation 56 13 — 532 — 601 Balance, end of period $ 4,941 $ 44,656 $ 10,067 $ 51,717 $ — $ 111,381 The following table summarizes activity in the allowance for loan losses during the three months ended June 30, 2018 : Three Months Ended June 30, 2018 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 3,514 $ 33,638 $ 11,639 $ 6,846 $ — $ 55,637 Charge-offs (41,242 ) (31,612 ) (11,082 ) (23,807 ) (593 ) (108,336 ) Recoveries 28,266 5,085 2,296 11,883 38 47,568 Net charge-offs (12,976 ) (26,527 ) (8,786 ) (11,924 ) (555 ) (60,768 ) Provision for losses 13,101 23,219 7,533 14,848 555 59,256 Effect of foreign currency translation (35 ) (39 ) — (53 ) — (127 ) Balance, end of period $ 3,604 $ 30,291 $ 10,386 $ 9,717 $ — $ 53,998 Allowance for loan losses as a percentage of gross loan receivables 4.3 % 18.9 % 12.3 % 10.7 % N/A 12.8 % The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the three months ended June 30, 2018 : Three Months Ended June 30, 2018 (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 9,886 $ 526 $ 10,412 Charge-offs (33,017 ) (993 ) (34,010 ) Recoveries 7,350 776 8,126 Net charge-offs (25,667 ) (217 ) (25,884 ) Provision for losses 26,974 117 27,091 Balance, end of period $ 11,193 $ 426 $ 11,619 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 June 30, 2018 : Three Months Ended June 30, 2018 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 3,514 $ 43,524 $ 12,165 $ 6,846 $ — $ 66,049 Charge-offs (41,242 ) (64,629 ) (12,075 ) (23,807 ) (593 ) (142,346 ) Recoveries 28,266 12,435 3,072 11,883 38 55,694 Net charge-offs (12,976 ) (52,194 ) (9,003 ) (11,924 ) (555 ) (86,652 ) Provision for losses 13,101 50,193 7,650 14,848 555 86,347 Effect of foreign currency translation (35 ) (39 ) — (53 ) — (127 ) Balance, end of period $ 3,604 $ 41,484 $ 10,812 $ 9,717 $ — $ 65,617 The following table summarizes activity in the allowance for loan losses during the six months ended June 30, 2019 : Six Months Ended June 30, 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 (72,280 ) (81,573 ) (22,966 ) (34,326 ) (2,693 ) (213,838 ) Recoveries 52,212 11,684 5,816 10,696 1,721 82,129 Net charge-offs (20,068 ) (69,889 ) (17,150 ) (23,630 ) (972 ) (131,709 ) Provision for losses 20,714 67,359 14,955 54,690 972 158,690 Effect of foreign currency translation 106 37 — 756 — 899 Balance, end of period $ 4,941 $ 35,223 $ 9,996 $ 51,717 $ — $ 101,877 Allowance for loan losses as a percentage of gross loan receivables 6.5 % 21.4 % 11.7 % 18.3 % N/A 16.7 % The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the six months ended June 30, 2019 : Six Months Ended (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 11,582 $ 425 $ 12,007 Charge-offs (75,545 ) (1,760 ) (77,305 ) Recoveries 17,638 1,459 19,097 Net charge-offs (57,907 ) (301 ) (58,208 ) Provision for losses 55,758 (53 ) 55,705 Balance, end of period $ 9,433 $ 71 $ 9,504 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 six months ended June 30, 2019 : Six Months Ended June 30, 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 (72,280 ) (157,118 ) (24,726 ) (34,326 ) (2,693 ) (291,143 ) Recoveries 52,212 29,322 7,275 10,696 1,721 101,226 Net charge-offs (20,068 ) (127,796 ) (17,451 ) (23,630 ) (972 ) (189,917 ) Provision for losses 20,714 123,117 14,902 54,690 972 214,395 Effect of foreign currency translation 106 37 — 756 — 899 Balance, end of period $ 4,941 $ 44,656 $ 10,067 $ 51,717 $ — $ 111,381 The following table summarizes activity in the allowance for loan losses during the six months ended June 30, 2018 : Six Months Ended June 30, 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 (85,578 ) (66,831 ) (22,567 ) (44,156 ) (1,268 ) (220,400 ) Recoveries 61,084 10,303 5,162 21,260 85 97,894 Net charge-offs (24,494 ) (56,528 ) (17,405 ) (22,896 ) (1,183 ) (122,506 ) Provision for losses 22,993 47,958 14,319 26,276 1,183 112,729 Effect of foreign currency translation (99 ) (116 ) — (89 ) — (304 ) Balance, end of period $ 3,604 $ 30,291 $ 10,386 $ 9,717 $ — $ 53,998 Allowance for loan losses as a percentage of gross loan receivables 4.3 % 18.9 % 12.3 % 10.7 % N/A 12.8 % The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the six months ended June 30, 2018 : Six Months Ended (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 17,073 $ 722 $ 17,795 Charge-offs (74,736 ) (2,212 ) (76,948 ) Recoveries 18,326 1,945 20,271 Net charge-offs (56,410 ) (267 ) (56,677 ) Provision for losses 50,530 (29 ) 50,501 Balance, end of period $ 11,193 $ 426 $ 11,619 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 six months ended June 30, 2018 : Six Months Ended June 30, 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 (85,578 ) (141,567 ) (24,779 ) (44,156 ) (1,268 ) (297,348 ) Recoveries 61,084 28,629 7,107 21,260 85 118,165 Net charge-offs (24,494 ) (112,938 ) (17,672 ) (22,896 ) (1,183 ) (179,183 ) Provision for losses 22,993 98,488 14,290 26,276 1,183 163,230 Effect of foreign currency translation (99 ) (116 ) — (89 ) — (304 ) Balance, end of period $ 3,604 $ 41,484 $ 10,812 $ 9,717 $ — $ 65,617

CREDIT SERVICES ORGANIZATION

CREDIT SERVICES ORGANIZATION	6 Months Ended
	Jun. 30, 2019
Guarantees [Abstract]
CREDIT SERVICES ORGANIZATION	CREDIT SERVICES ORGANIZATION The CSO fee receivable amounts under CSO programs were $12.0 million and $14.3 million at June 30, 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 with 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 June 30, 2019 and December 31, 2018 , the maximum amount payable under all such guarantees was $56.0 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 $9.5 million and $12.0 million at June 30, 2019 and December 31, 2018 , respectively. The Company placed $5.8 million and $17.2 million in collateral accounts for the benefit of lenders at June 30, 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	6 Months Ended
	Jun. 30, 2019
Debt Disclosure [Abstract]
LONG-TERM DEBT	LONG-TERM DEBT Long-term debt consisted of the following: (in thousands) June 30, 2019 December 31, 2018 8.25% Senior Secured Notes (due 2025) $ 677,535 $ 676,661 Non-Recourse Canada SPV Facility 90,977 107,479 Senior Revolver — 20,000 Long-term debt $ 768,512 $ 804,140 8.25% Senior Secured Notes In August 2018, the Company issued $690.0 million of 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 a portion of 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 June 30, 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 early 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 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"). 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 , to 2023. As of June 30, 2019 , the Canada SPV Borrower was in full compliance with the covenants and other provisions of the Non-Recourse Canada SPV Facility. As of June 30, 2019 , outstanding borrowings under the Non-Recourse Canada SPV Facility were $91.0 million , net of deferred financing costs of $3.6 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 provided for an $80.0 million term loan and $70.0 million revolving borrowing capacity that could expand over time (collectively, “Non-Recourse U.S. SPV Facility”). Borrowings under this facility bore 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 paid a 0.50% per annum fee on the unused portion of the commitments. In connection with this facility, the capitalized financing costs at the time of extinguishment, as discussed below, were approximately $5.3 million , net of amortization. These capitalized financing costs were included in the Condensed Consolidated Balance Sheet as a component of "Long-term debt" and were 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 during 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 current term expires June 30, 2020. The Senior Revolver accrues interest at one -month LIBOR plus 5.00% (subject to a 5% overall 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. Additionally, the negative covenants of the Senior Revolver generally conform to the related provisions in the Indenture for the 8.25% Senior Secured Notes. The revolver was undrawn at June 30, 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 June 30, 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 June 30, 2019 , the borrowing capacity under the Cash Money Revolving Credit Facility, which was C$9.7 million , was reduced by C $0.3 million for outstanding 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 require, among other things, that the aggregate borrowings outstanding under the facility not exceed the borrowing base, as well as 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 June 30, 2019 and December 31, 2018. Subordinated Stockholder Debt As part of the acquisition of Cash Money in 2011, the Company received 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. The balance of this note was repaid in full as of June 30, 2019 .

SHARE-BASED COMPENSATION

SHARE-BASED COMPENSATION	6 Months Ended
	Jun. 30, 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. Restricted Stock Units Grants of time-based RSUs are valued at the date of grant based on the value of our common stock and are expensed using the straight-line method over the service period. These RSUs are subject to time-based vesting and typically vest over a three -year period. In March 2019, the Company awarded market-based RSUs designed to drive the performance of the management team toward achievement of key corporate objectives. The market-based RSUs vest after three years depending upon the Company's total stockholder return over the three -year performance period relative to other companies in its selected peer group. These awards are valued using the Monte Carlo simulation pricing model. Expense recognition for the market-based awards occurs over the service period using the straight-line method. 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 market-based RSUs as of June 30, 2019 and changes during the six months ended June 30, 2019 are presented in the following table: Number of RSUs Time-Based Market-Based Weighted Average Grant Date Fair Value per Share December 31, 2018 1,060,350 — $ 14.29 Granted 579,540 394,755 10.07 Vested (83,481 ) — 15.59 Forfeited (68,778 ) — 14.05 June 30, 2019 1,487,631 394,755 $ 12.06 Share-based compensation expense for the three months ended June 30, 2019 and 2018 , which includes compensation costs from stock options and RSUs, was $2.6 million and $2.2 million , respectively, and during the six months ended June 30, 2019 and 2018 was $4.8 million and $4.0 million , respectively, and is included in the Condensed Consolidated Statements of Operations as a component of "Corporate, district and other expenses." As of June 30, 2019 , there was $18.5 million of total unrecognized compensation cost related to stock options and RSUs, of which $15.4 million related to stock options and time-based RSUs and $3.1 million related to market-based RSUs. Total unrecognized compensation costs will be recognized over a weighted-average period of 2.0 years .

INCOME TAXES

INCOME TAXES	6 Months Ended
	Jun. 30, 2019
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The Company's effective income tax rate from continuing operations was 27.4% and 27.6% for the six months ended June 30, 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 six months ended June 30, 2018. The Company recorded an estimated GILTI tax of $0.5 million and $0.6 million during the six months ended June 30, 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 $159.3 million were distributed to the U.S., the Company would be subject to Canadian withholding taxes of estimated $8.0 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	6 Months Ended
	Jun. 30, 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 June 30, 2019 : Estimated Fair Value (in thousands) Carrying Value June 30, Level 1 Level 2 Level 3 Total Financial assets: Cash $ 92,297 $ 92,297 $ — $ — $ 92,297 Restricted cash 33,712 33,712 — — 33,712 Loans receivable, net 507,716 — — 507,716 507,716 Investment in Cognical 7,178 — — 7,178 7,178 Financial liabilities: Liability for losses on CSO lender-owned consumer loans $ 9,504 $ — $ — $ 9,504 $ 9,504 8.25% Senior Secured Notes 677,535 — — 574,211 574,211 Non-Recourse Canada SPV facility 90,977 — — 94,565 94,565 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 Total 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. During the second quarter of 2019, Zibby completed an equity raising round at a value per share less than the value per share raised in prior raises. This round included additional investments from existing shareholders and investments by new investors and is considered indicative of the fair value of shares in Zibby. Accordingly, we recognized a $3.7 million impairment in our investment in Zibby to adjust it to market value. As of June 30, 2019, we owned approximately 30% of the outstanding shares of Zibby on a fully diluted basis. See Note 18 - "Subsequent Events" for information regarding additional investments in Zibby in July 2019. 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	6 Months Ended
	Jun. 30, 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 and six months ended June 30, 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 Net income from continuing operations — — — 18,718 — 18,718 Net loss from discontinued operations — — — (2,743 ) — (2,743 ) Foreign currency translation adjustment — — — — (6,754 ) (6,754 ) Cash flow hedge expiration — — — — (439 ) (439 ) Share based compensation expense — — 1,478 — — 1,478 Proceeds from exercise of stock options 209,132 — 39 — — 39 Common stock issued for RSU's vesting 49,994 — — — — — Balances at June 30, 2018 45,820,545 $ 9 $ 62,573 $ 43,255 $ (52,988 ) $ 52,849 (1) Accumulated other comprehensive income (loss) Common Stock Paid-in capital Treasury Stock 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 Net income from continuing operations — — — — 17,667 — 17,667 Net income from discontinued operations — — — — (834 ) — (834 ) Foreign currency translation adjustment — — — — — 3,635 3,635 Share based compensation expense — — 2,644 — — — 2,644 Proceeds from exercise of stock options 4,908 — 29 — — — 29 Purchase of shares under the stock repurchase program (244,200 ) — — (2,507 ) — — (2,507 ) Common stock issued for RSU's vesting, net of shares withheld and withholding paid for employee taxes 63,285 — — — — — — Balances at June 30, 2019 46,255,282 $ 9 $ 64,790 $ (2,507 ) $ 35,816 $ (40,730 ) $ 57,378 (1) Accumulated other comprehensive income (loss)

EARNINGS PER SHARE

EARNINGS PER SHARE	6 Months Ended
	Jun. 30, 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 Six Months Ended 2019 2018 2019 2018 Net income from continuing operations $ 17,667 $ 18,718 $ 46,340 $ 43,631 Net income (loss) from discontinued operations, net of tax (834 ) (2,743 ) $ 7,541 $ (4,364 ) Net income $ 16,833 $ 15,975 $ 53,881 $ 39,267 Weighted average common shares - basic 46,451 45,650 46,438 45,578 Dilutive effect of stock options and restricted stock units 656 2,346 897 2,179 Weighted average common shares - diluted 47,107 47,996 47,335 47,757 Basic income (loss) per share: Continuing operations $ 0.38 $ 0.41 $ 1.00 $ 0.96 Discontinued operations (0.02 ) (0.06 ) 0.16 (0.10 ) Basic income per share $ 0.36 $ 0.35 $ 1.16 $ 0.86 Diluted income (loss) per share: Continuing operations $ 0.38 $ 0.39 $ 0.98 $ 0.92 Discontinued operations (0.02 ) (0.06 ) 0.16 (0.10 ) Diluted income per share $ 0.36 $ 0.33 $ 1.14 $ 0.82 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 and six months ended June 30, 2019 , there were 1.3 million and 1.2 million , respectively, of 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 and six months ended June 30, 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	6 Months Ended
	Jun. 30, 2019
Supplemental Cash Flow Elements [Abstract]
SUPPLEMENTAL CASH FLOW INFORMATION	SUPPLEMENTAL CASH FLOW INFORMATION The following table provides supplemental cash flow information: Six Months Ended (dollars in thousands) 2019 2018 Cash paid for: Interest $ 34,678 $ 44,250 Income taxes 4,231 11,621 Non-cash investing activities: Property and equipment accrued in accounts payable $ 105 $ 595

SEGMENT REPORTING

SEGMENT REPORTING	6 Months Ended
	Jun. 30, 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 Six Months Ended (dollars in thousands) 2019 2018 2019 2018 Revenues by segment: U.S. $ 210,046 $ 190,126 $ 436,165 $ 394,719 Canada 54,254 47,043 106,074 93,293 Consolidated revenue $ 264,300 $ 237,169 $ 542,239 $ 488,012 Gross margin by segment: U.S. $ 65,067 $ 64,048 $ 154,870 $ 155,392 Canada 16,114 13,300 31,808 27,802 Consolidated gross margin $ 81,181 $ 77,348 $ 186,678 $ 183,194 Segment operating income: U.S. $ 17,029 $ 15,362 $ 48,224 $ 42,194 Canada 8,091 8,534 15,615 18,082 Consolidated operating profit $ 25,120 $ 23,896 $ 63,839 $ 60,276 Expenditures for long-lived assets by segment: U.S. $ 2,568 $ 1,195 $ 4,998 $ 1,983 Canada 477 220 1,166 974 Consolidated expenditures for long-lived assets $ 3,045 $ 1,415 $ 6,164 $ 2,957 The following table provides gross loans receivable by segment: (dollars in thousands) June 30, December 31, U.S. $ 340,968 $ 361,473 Canada 268,625 210,058 Total gross loans receivable $ 609,593 $ 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) June 30, 2019 December 31, 2018 U.S. $ 44,209 $ 47,918 Canada 28,784 28,832 Total net long-lived assets $ 72,993 $ 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	6 Months Ended
	Jun. 30, 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. On May 31, 2019, plaintiffs filed a consolidated complaint naming Doug Rippel, Chad Faulkner, Mike McKnight, Friedman Fleischer & Lowe Capital Partners II, L.P., FFL Executive Partners II, L.P., and FFL Parallel Fund II, L.P. as additional defendants. The complaint alleges that the Company and the individual defendants violated Section 10(b) of the Securities Exchange Act of 1934, as amended (the "Exchange Act") and that certain 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 April 27, 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. 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	6 Months Ended
	Jun. 30, 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 $17.0 million for the period ended June 30, 2019 . Some of the leases are with related parties and have terms similar to the non-related party leases previously described. Operating lease costs for unrelated third-party leases were $15.3 million and for related party leases were $1.7 million for the three months ended June 30, 2019 . During the six months ended June 30, 2019 , cash paid for amounts included in the measurement of the liabilities and the operating cash flows were $17.4 million . The following table summarizes the future minimum lease payments that the Company is contractually obligated to make under operating leases as of June 30, 2019: (in thousands) Third-Party Related-Party Total 2019 $ 15,517 $ 1,840 $ 17,357 2020 30,735 3,752 34,487 2021 30,344 3,852 34,196 2022 29,353 3,909 33,262 2023 25,280 3,616 28,896 Thereafter 44,277 10,883 55,160 Total 175,506 27,852 203,358 Less: Imputed interest (45,852 ) (8,663 ) (54,515 ) Operating lease liabilities $ 129,654 $ 19,189 $ 148,843 As of June 30, 2019, the weighted average remaining lease term was 6.3 years , and the weighted average operating discount rate used to determine the operating lease liability was 10.3% .

DISCONTINUED OPERATIONS

DISCONTINUED OPERATIONS	6 Months Ended
	Jun. 30, 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 classified them as Discontinued Operations for all periods presented. Revenue and expenses related to discontinued operations included activity prior to the deconsolidation of the U.K. Subsidiaries effective February 25, 2019. For the six months ended June 30, 2019, "Loss on disposition" of $39.4 million included the non-cash effect of eliminating assets and liabilities of the U.K. Subsidiaries as of the date of deconsolidation, as well as the effect of cumulative currency exchange rate differences on the U.S. investment in the U.K. In connection with the disposition of the U.K. Subsidiaries, the U.S. entity that owned the Company's interests in the U.K. Subsidiaries recognized a loss on investment. This loss resulted in an estimated U.S. federal and state income tax benefit of $46.6 million , which will be available to offset the Company's future U.S. federal and state income tax obligations. In the second quarter of 2019, the Company revised the estimate of the tax basis in the U.K. Subsidiaries, resulting in a $0.8 million reduction in the income tax benefit recorded in the first quarter of 2019. 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 Six Months Ended June 30, (in thousands) 2019 2018 2019 (1) 2018 Revenue $ — $ 11,814 $ 6,957 $ 22,729 Provision for losses — 5,639 1,703 9,787 Net revenue — 6,175 5,254 12,942 Cost of providing services Office — 545 246 1,073 Other costs of providing services — 125 61 1,094 Advertising — 2,441 775 4,312 Total cost of providing services — 3,111 1,082 6,479 Gross margin — 3,064 4,172 6,463 Operating expense (income) Corporate, district and other expenses — 5,675 3,810 10,700 Interest income — (7 ) (4 ) (12 ) Loss on disposition — — 39,414 — Total operating expense — 5,668 43,220 10,688 Pre-tax (loss) income from operations of discontinued operations — (2,604 ) (39,048 ) (4,225 ) Income tax expense (benefit) related to disposition 834 139 (46,589 ) 139 Net income (loss) from discontinued operations $ (834 ) $ (2,743 ) $ 7,541 $ (4,364 ) (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) June 30, 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 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: Six Months Ended June 30, (in thousands) 2019 (1) 2018 Net cash (used in) / provided by discontinued operating activities $ (504 ) $ 5,458 Net cash used in discontinued investing activities (14,213 ) (14,349 ) 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	6 Months Ended
	Jun. 30, 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 June 30, 2019 (dollars in thousands) Subsidiary Guarantors Subsidiary Non-Guarantors Canada SPV CURO Eliminations CURO Assets: Cash $ 68,354 $ 23,943 $ — $ — $ — $ 92,297 Restricted cash 16,198 2,695 14,819 — — 33,712 Loans receivable, net 269,298 48,297 190,121 — — 507,716 Right of use asset - operating leases 79,000 61,982 — — — 140,982 Deferred income taxes (7,848 ) — — 10,485 — 2,637 Income taxes receivable (470 ) 6,395 — 31,654 — 37,579 Prepaid expenses and other 23,038 7,203 — — — 30,241 Property and equipment, net 44,209 28,784 — — — 72,993 Goodwill 91,131 29,319 — — — 120,450 Other intangibles, net 8,420 22,237 — — — 30,657 Intercompany receivable 107,251 — — — (107,251 ) — Investment in subsidiaries — — — (1,515 ) 1,515 — Other 15,401 690 — — — 16,091 Total assets $ 713,982 $ 231,545 $ 204,940 $ 40,624 $ (105,736 ) $ 1,085,355 Liabilities and Stockholders' equity: Accounts payable and accrued liabilities $ 44,667 $ (1,166 ) $ 15,020 $ 753 $ — $ 59,274 Deferred revenue 5,237 3,430 45 — — 8,712 Lease liability - operating leases 86,685 62,158 — — — 148,843 Income taxes payable (18,731 ) — — 18,731 — — Accrued interest 2 — 713 18,975 — 19,690 Payable to CURO Holdings Corp. 736,920 — — (736,920 ) — — CSO liability for losses 9,504 — — — — 9,504 Long-term debt — — 90,976 677,536 — 768,512 Intercompany payable — 20,002 87,249 — (107,251 ) — Other liabilities 7,999 595 — — — 8,594 Deferred tax liabilities (4,171 ) 4,848 — 4,171 — 4,848 Total liabilities 868,112 89,867 194,003 (16,754 ) (107,251 ) 1,027,977 Stockholder’s equity (154,130 ) 141,678 10,937 57,378 1,515 57,378 Total liabilities and stockholder’s equity $ 713,982 $ 231,545 $ 204,940 $ 40,624 $ (105,736 ) $ 1,085,355 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 June 30, 2019 (dollars in thousands) Subsidiary Subsidiary Canada SPV CURO Eliminations CURO Revenue $ 210,046 $ 28,162 $ 26,092 $ — $ — $ 264,300 Provision for losses 92,552 6,344 13,114 — — 112,010 Net revenue 117,494 21,818 12,978 — — 152,290 Cost of providing services: Salaries and benefits 17,422 8,664 — — — 26,086 Occupancy 8,033 5,899 — — — 13,932 Office 4,004 1,453 — — — 5,457 Other costs of providing services 11,789 1,065 — — — 12,854 Advertising 11,179 1,601 — — — 12,780 Total cost of providing services 52,427 18,682 — — — 71,109 Gross margin 65,067 3,136 12,978 — — 81,181 Operating (income) expense: Corporate, district and other expenses 30,766 6,422 (781 ) 2,631 — 39,038 Intercompany management fee (3,237 ) 3,229 8 — — — Interest expense 27 7 2,375 14,614 — 17,023 Intercompany interest (income) expense (1,513 ) 890 623 — — — Total operating expense 26,043 10,548 2,225 17,245 — 56,061 Income (loss) from continuing operations before income taxes 39,024 (7,412 ) 10,753 (17,245 ) — 25,120 Provision (benefit) for income tax expense 9,591 1,094 — (3,232 ) — 7,453 Net income (loss) from continuing operations 29,433 (8,506 ) 10,753 (14,013 ) — 17,667 Net loss on discontinued operations — (834 ) — — — (834 ) Net (loss) income 29,433 (9,340 ) 10,753 (14,013 ) — 16,833 Equity in net income (loss) of subsidiaries: CFTC — — — 30,846 (30,846 ) — Guarantor Subsidiaries 29,433 — — — (29,433 ) — Non-Guarantor Subsidiaries (9,340 ) — — — 9,340 — SPV Subs 10,753 — — — (10,753 ) — Net income (loss) attributable to CURO $ 60,279 $ (9,340 ) $ 10,753 $ 16,833 $ (61,692 ) $ 16,833 Three Months Ended June 30, 2018 (dollars in thousands) CFTC CURO Intermediate Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs Eliminations CFTC Consolidated CURO Eliminations CURO Consolidated Revenue $ — $ — $ 118,034 $ 47,043 $ 72,092 $ — $ 237,169 $ — $ — $ 237,169 Provision for losses — — 46,320 14,360 25,667 — 86,347 — — 86,347 Net revenue — — 71,714 32,683 46,425 — 150,822 — — 150,822 Cost of providing services: Salaries and benefits — — 18,070 8,838 — — 26,908 — — 26,908 Occupancy — — 7,643 5,677 — — 13,320 — — 13,320 Office — — 4,247 1,285 — — 5,532 — — 5,532 Other store operating expenses — — 11,254 881 466 — 12,601 — — 12,601 Advertising — — 12,409 2,704 — — 15,113 — — 15,113 Total cost of providing services — — 53,623 19,385 466 — 73,474 — — 73,474 Gross Margin — — 18,091 13,298 45,959 — 77,348 — — 77,348 Operating (income) expense: Corporate, district and other expenses 458 18 25,383 4,759 46 — 30,664 2,316 — 32,980 Intercompany management fee — — (6,920 ) 3,281 3,639 — — — — — Interest expense 16,585 — (60 ) 7 3,940 — 20,472 — — 20,472 Intercompany interest (income) expense — (904 ) (180 ) 1,084 — — — — — — Loss on extinguishment of debt — — — — — — — — — — Total operating expense 17,043 (886 ) 18,223 9,131 7,625 — 51,136 2,316 — 53,452 (Loss) income from continuing operations before income taxes (17,043 ) 886 (132 ) 4,167 38,334 — 26,212 (2,316 ) — 23,896 (Benefit) provision for income tax expense (5,418 ) 13,668 (4,458 ) 1,962 — — 5,754 (576 ) — 5,178 Net (loss) income from continuing operations (11,625 ) (12,782 ) 4,326 2,205 38,334 — 20,458 (1,740 ) — 18,718 Net loss from discontinued operations — — — (2,743 ) — — (2,743 ) — — (2,743 ) Net (loss) income (11,625 ) (12,782 ) 4,326 (538 ) 38,334 — 17,715 (1,740 ) — 15,975 Equity in net income (loss) of subsidiaries: CFTC — — — — — — — 20,458 (20,458 ) — CURO Intermediate (12,782 ) — — — — 12,782 — — — — Guarantor Subsidiaries 4,326 — — — — (4,326 ) — — — — Non-Guarantor Subsidiaries 2,205 — — — — (2,205 ) — — — — SPV Subs 38,334 — — — — (38,334 ) — — — — Net income (loss) attributable to CURO $ 20,458 $ (12,782 ) $ 4,326 $ (538 ) $ 38,334 $ (32,083 ) $ 17,715 $ 18,718 $ (20,458 ) $ 15,975 Six Months Ended June 30, 2019 (dollars in thousands) Subsidiary Subsidiary Canada SPV CURO Eliminations CURO Revenue $ 436,165 $ 54,936 $ 51,138 $ — $ — $ 542,239 Provision for losses 177,532 10,443 26,420 — — 214,395 Net revenue 258,633 44,493 24,718 — — 327,844 Cost of providing services: Salaries and benefits 37,373 17,414 — — — 54,787 Occupancy 16,043 12,126 — — — 28,169 Office 7,893 2,677 — — — 10,570 Other costs of providing services 24,921 2,153 — — — 27,074 Advertising 17,533 3,033 — — — 20,566 Total cost of providing services 103,763 37,403 — — — 141,166 Gross margin 154,870 7,090 24,718 — — 186,678 Operating (income) expense: Corporate, district and other expenses 72,304 11,604 (755 ) 4,973 — 88,126 Intercompany management fee (6,300 ) 6,284 16 — — — Interest expense 317 79 5,265 29,052 — 34,713 Intercompany interest (income) expense (2,393 ) 1,770 623 — — — Total operating expense 63,928 19,737 5,149 34,025 — 122,839 Income (loss) from continuing operations before income taxes 90,942 (12,647 ) 19,569 (34,025 ) — 63,839 Provision (benefit) for income tax expense 23,610 2,129 — (8,240 ) — 17,499 Net income (loss) from continuing operations 67,332 (14,776 ) 19,569 (25,785 ) — 46,340 Net loss on discontinued operations — 7,541 — — — 7,541 Net (loss) income 67,332 (7,235 ) 19,569 (25,785 ) — 53,881 Equity in net income (loss) of subsidiaries: CFTC — — — 79,666 (79,666 ) — Guarantor Subsidiaries 67,332 — — — (67,332 ) — Non-Guarantor Subsidiaries (7,235 ) — — — 7,235 — SPV Subs 19,569 — — — (19,569 ) — Net income (loss) attributable to CURO $ 146,998 $ (7,235 ) $ 19,569 $ 53,881 $ (159,332 ) $ 53,881 Six Months Ended June 30, 2018 (dollars in thousands) CFTC CURO Intermediate Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs Eliminations CFTC Consolidated CURO Eliminations CURO Consolidated Revenue $ — $ — $ 246,442 $ 93,293 $ 148,277 $ — $ 488,012 $ — $ — $ 488,012 Provision for losses — — 82,089 26,910 54,231 — 163,230 — — 163,230 Net revenue — — 164,353 66,383 94,046 — 324,782 — — 324,782 Cost of providing services: Salaries and benefits — — 36,089 17,737 — — 53,826 — — 53,826 Occupancy — — 15,289 11,458 — — 26,747 — — 26,747 Office — — 9,830 2,155 — — 11,985 — — 11,985 Other store operating expenses — — 23,284 1,801 947 — 26,032 — — 26,032 Advertising — — 17,568 5,430 — — 22,998 — — 22,998 Total cost of providing services — — 102,060 38,581 947 — 141,588 — — 141,588 Gross Margin — — 62,293 27,802 93,099 — 183,194 — — 183,194 Operating (income) expense: Corporate, district and other expenses 906 25 53,375 9,656 76 — 64,038 4,371 — 68,409 Intercompany management fee — — (13,822 ) 6,775 7,047 — — — — — Interest expense 34,907 — (172 ) 64 8,027 — 42,826 — — 42,826 Intercompany interest (income) expense — (1,784 ) (259 ) 2,043 — — — — — — Loss on extinguishment of debt 11,683 — — — — — 11,683 — — 11,683 Total operating expense 47,496 (1,759 ) 39,122 18,538 15,150 — 118,547 4,371 — 122,918 (Loss) income from continuing operations before income taxes (47,496 ) 1,759 23,171 9,264 77,949 — 64,647 (4,371 ) — 60,276 (Benefit) provision for income tax expense (12,259 ) 32,165 (6,043 ) 3,891 — — 17,754 (1,109 ) — 16,645 Net (loss) income from continuing operations (35,237 ) (30,406 ) 29,214 5,373 77,949 — 46,893 (3,262 ) — 43,631 Net loss from discontinued operations — — — (4,364 ) — — (4,364 ) — — (4,364 ) Net (loss) income (35,237 ) (30,406 ) 29,214 1,009 77,949 — 42,529 (3,262 ) — 39,267 Equity in net income (loss) of subsidiaries: CFTC — — — — — — — 42,529 (42,529 ) — CURO Intermediate (30,406 ) — — — — 30,406 — — — — Guarantor Subsidiaries 29,214 — — — — (29,214 ) — — — — Non-Guarantor Subsidiaries 1,009 — — — — (1,009 ) — — — — SPV Subs 77,949 — — — — (77,949 ) — — — — Net income (loss) attributable to CURO $ 42,529 $ (30,406 ) $ 29,214 $ 1,009 $ 77,949 $ (77,766 ) $ 42,529 $ 39,267 $ (42,529 ) $ 39,267 Condensed Consolidating Statements of Cash Flows Six Months Ended June 30, 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 $ 204,323 $ 10,929 $ 93,690 $ 1,833 $ 1,544 $ 312,319 Net cash used in discontinued operating activities — (504 ) — — — (504 ) Cash flows from investing activities: Purchase of property, equipment and software (4,998 ) (1,166 ) — — — (6,164 ) Investment in Cognical Holdings (4,368 ) — — — — (4,368 ) Originations of loans, net (142,871 ) (3,227 ) (71,101 ) — — (217,199 ) Net cash (used in) provided by continuing investing activities (152,237 ) (4,393 ) (71,101 ) — — (227,731 ) Net cash used in discontinued investing activities — (14,213 ) — — — (14,213 ) Cash flows from financing activities: Proceeds from Non-Recourse U.S. SPV facility — — — — — — Payments on Non-Recourse U.S. SPV facility — — — — — — Proceeds from Non-Recourse Canada SPV facility — — 3,750 — — 3,750 Payments on Non-Recourse Canada SPV facility — — (24,752 ) — — (24,752 ) Proceeds from revolving credit facilities 30,000 38,002 — — — 68,002 Payments on revolving credit facilities (50,000 ) (38,002 ) — — — (88,002 ) Payments on subordinated stockholder debt — (2,245 ) — — — (2,245 ) Proceeds from exercise of stock options 69 — — (42 ) — 27 Debt issuance costs paid — — (169 ) (29 ) — (198 ) Repurchase of common stock — — — (1,762 ) — (1,762 ) Net cash used in provided by financing activities (1) (19,931 ) (2,245 ) (21,171 ) (1,833 ) — (45,180 ) Effect of exchange rate changes on cash and restricted cash — 2,444 561 — (1,544 ) 1,461 Net increase (decrease) in cash and restricted cash 32,155 (7,982 ) 1,979 — — 26,152 Cash and restricted cash at beginning of period 52,397 34,620 12,840 — — 99,857 Cash at end of period $ 84,552 $ 26,638 $ 14,819 $ — $ — $ 126,009 (1) Financing activities include continuing operations only and were not impacted by discontinued operations Six Months Ended June 30, 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 $ 87,848 $ — $ 38,259 $ 53,104 $ 67,767 $ 12,305 $ 259,283 $ (12,550 ) $ 246,733 Net cash provided by (used in) discontinued operating activities — — — 14,225 — (8,767 ) 5,458 — 5,458 Net cash provided by (used in) operating activities 87,848 — 38,259 67,329 67,767 3,538 264,741 (12,550 ) 252,191 Cash flows from investing activities: Purchase of property, equipment and software — — (1,983 ) (974 ) — — (2,957 ) — (2,957 ) Originations of loans, net — — (84,640 ) (48,795 ) (61,201 ) — (194,636 ) — (194,636 ) Investment in Cognical Holdings (958 ) — — — — — (958 ) — (958 ) Net cash (used in) provided by continuing investing activities (958 ) — (86,623 ) (49,769 ) (61,201 ) — (198,551 ) — (198,551 ) Net cash provided by (used in) discontinued investing activities — — — (14,349 ) — — (14,349 ) — (14,349 ) Net cash provided by (used in) investing activities (958 ) — (86,623 ) (64,118 ) (61,201 ) — (212,900 ) — (212,900 ) Cash flows from financing activities: Proceeds from Non-Recourse U.S. SPV facility — — — — 13,000 — 13,000 — 13,000 Payments on Non-Recourse U.S. SPV facility — — — — (19,163 ) — (19,163 ) — (19,163 ) Proceeds from revolving credit facilities 10,000 — — 8,798 — — 18,798 — 18,798 Payments on revolving credit facilities (10,000 ) — — (8,798 ) — — (18,798 ) — (18,798 ) Net proceeds from issuance of common stock — — — — — — — 12,431 12,431 Proceeds from exercise of stock options — — — — — — — 39 39 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 (90 ) — — (78 ) — — (168 ) — (168 ) Net cash (used in) provided by financing activities (1) (86,890 ) — — (78 ) (6,163 ) — (93,131 ) 12,470 (80,661 ) Effect of exchange rate changes on cash — — — (651 ) — (3,538 ) (4,189 ) — (4,189 ) Net (decrease) increase in cash and restricted cash — — (48,364 ) 2,482 403 — (45,479 ) (80 ) (45,559 ) 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 — — 70,692 50,966 7,274 — 128,932 — 128,932 Less: Cash and restricted cash at end of period of Discontinued Operations — — — 12,460 — — 12,460 — 12,460 Cash and restricted cash at end of period of Continuing Operations $ — $ — $ 70,692 $ 38,506 $ 7,274 $ — $ 116,472 $ — $ 116,472

SHARE REPURCHASE PROGRAM

SHARE REPURCHASE PROGRAM	6 Months Ended
	Jun. 30, 2019
Equity [Abstract]
SHARE REPURCHASE PROGRAM	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, which commenced June 2019, 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. Under this program, the Company has repurchased 244,200 shares of common stock through June 30, 2019 . The table below summarizes share repurchase activity during the three and six months ended June 30, 2019 : Six Months Ended June 30, (in thousands, except per share amounts and number of share amounts) 2019 Total number of shares repurchased 244,200 Average price paid per share $ 10.26 Total value of shares repurchased $ 2,507 Total authorized repurchase amount $ 50,000 Total value of shares repurchased 2,507 Total remaining authorized repurchase amount $ 47,493

SUBSEQUENT EVENTS

SUBSEQUENT EVENTS	6 Months Ended
	Jun. 30, 2019
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	SUBSEQUENT EVENTS Cognical Investment During July 2019, as part of the broader capital structure reorganization by the investee company described in Note 1 - "Summary of Significant Accounting Policies and Nature of Operations" and Note 8 - "Financial Instruments" , the Company purchased 10,695,187 additional preferred shares of Zibby for $4.0 million . As a result of this transaction, the Company's fully-diluted ownership in Zibby increased to 42.3% . Share Repurchase Program The Company repurchased 989,500 shares from July 1, 2019 through August 2, 2019: July 1 - August 2 (in thousands, except per share amounts and number of share amounts) 2019 Total number of shares repurchased 989,500 Average price paid per share $ 10.85 Total value of shares repurchased $ 10,731

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS (Policies)	6 Months Ended
	Jun. 30, 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 ("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 filed with the Securities and Exchange Commission (the "SEC") on March 18, 2019 ("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. Additionally, in September 2018, and subsequently expanded in June 2019, the SEC changed the definition of a smaller reporting company ("SRC"). The change in definition of an SRC would allow more registrants to qualify to report under scaled disclosure requirements. Under these rules, CURO meets the definition of an SRC as of June 30, 2019. The 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 United Kingdom ("U.K.") operations were 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") issued 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. Due to the adoption of the new standard, the right of use assets ("ROU assets") and additional operating lease liabilities ("lease liabilities") as of June 30, 2019 were $141.0 million and $148.8 million , respectively. 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. Recently Issued Accounting Pronouncements Not Yet Adopted Accounting Pronouncements Related to the Current Expected Credit Loss ("CECL") Standard ASU 2016-13 In June 2016, the FASB issued ASU 2016-13, “Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments,” and subsequent amendments to the guidance: ASU 2018-19 in November 2018, ASU 2019-04 in April 2019, and ASU 2019-05 in May 2019. The standard, as amended, changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. The standard will replace the current “incurred loss” approach with an “expected loss” model for instruments measured at amortized cost. For available-for-sale debt securities, entities will be required to record allowances rather than reduce the carrying amount, as they currently do under the other-than-temporary impairment model. The standard also simplifies the accounting model for purchased credit-impaired debt securities and loans. The amendment will affect loans, debt securities, trade receivables, net investments in leases, off-balance sheet credit exposures, reinsurance receivables, and any other financial assets not excluded from the scope that have the contractual right to receive cash. ASU 2019-04 clarifies that equity instruments without readily determinable fair values for which an entity has elected the measurement alternative should be remeasured to fair value as of the date that an observable transaction occurred. ASU 2019-05 provides an option to irrevocably elect to measure certain individual financial assets at fair value instead of amortized cost. The amendments should be applied on either a prospective transition or modified-retrospective approach depending on the subtopic. As issued, this ASU 2016-13 is effective for annual periods beginning after December 15, 2019, and interim periods therein. Early adoption is permitted for annual periods beginning after December 15, 2018, and interim periods therein. The Company is evaluating its alternatives with respect to the available accounting methods under ASU 2016‑13, including the fair value option. If the fair value option is not utilized, adoption of ASU 2016-13 will increase the allowance for credit losses with a resulting negative adjustment to retained earnings on the date of adoption. Additionally, as disclosed below, the Company is evaluating the impact of the FASB's definition of a SRC to the adoption of ASU 2016-13. ASU 2019-05 In May 2019, the FASB issued ASU 2019-05, which amends ASU 2016-13 to allow companies to irrevocably elect, upon adoption of ASU 2016-13, the fair value option on financial instruments that (i) were previously recorded at amortized cost and (ii) are within the scope of ASC 326-203 if the instruments are eligible for the fair value option under ASC 825-10. The fair value option election does not apply to held-to-maturity debt securities. Entities are required to make this election on an instrument-by-instrument basis. ASU 2019-05’s amendments should be applied on a modified-retrospective basis by means of a cumulative-effect adjustment to the opening balance of retained earnings in the statement of financial position as of the date that an entity adopted the amendments in ASU 2016-13. For entities that have adopted ASU 2016-13, the amendments in ASU 2019-05 are effective for fiscal years beginning after December 15, 2019, including interim periods therein. An entity may early adopt the ASU in any interim period after its issuance if the entity has adopted ASU 2016-13. For all other entities, the effective date will be the same as the effective date for ASU 2016-13. We are currently evaluating the methods and impact of adopting this new standard on the Condensed Consolidated Financial Statements. ASU 2019-04 In May 2019, the FASB issued ASU 2019-04, which clarifies certain aspects of accounting for credit losses, hedging activities, and financial instruments. The ASU’s amendments apply to all entities within the scope of the affected guidance. Accrued interest - Amortized cost basis is defined in ASU 2016-13 as "the amount at which a financing receivable or investment is originated or acquired, adjusted for applicable accrued interest, accretion or amortization of premium, discount, and net deferred fees or costs, collection of cash, write-offs, foreign exchange, and fair value hedge accounting adjustments". To address stakeholders’ concerns that the inclusion of accrued interest in the definition of amortized cost basis could make application of the credit loss guidance operationally burdensome, ASU 2019-04 provides certain alternatives for the measurement of the allowance for credit losses (ALL) on accrued interest receivable (AIR). These measurement alternatives include (1) measuring an ALL on AIR separately, (2) electing to provide separate disclosure of the AIR component of amortized cost as a practical expedient, and (3) making accounting policy elections to simplify certain aspects of the presentation and measurement of such AIR. As issued, for entities that have adopted ASU 2016-13, the amendments in ASU 2019-04 related to ASU 2016-13 are effective for fiscal years beginning after December 15, 2019, and interim periods therein. ASU 2019-04’s amendments should be applied "on a modified-retrospective basis by means of a cumulative-effect adjustment to the opening retained earnings balance in the statement of financial position as of the date an entity adopted the amendments in ASU 2016-13." Certain disclosures are also required. For all other entities, the effective date will be the same as the effective date in ASU 2016-13. FASB Definition of a Smaller Reporting Company ("SRC") as related to the CECL standard and evaluation of the impact of the CECL standard On July 17, 2019, the FASB issued for a 30-day comment period a draft proposal that would reconsider its philosophy for establishing effective dates for major projects for certain classes of companies, including SRCs. Under current SEC definitions, CURO meets the definition of an SRC as of June 30, 2019. The proposed standard would defer required adoption of the CECL standard for SRCs until fiscal periods beginning after December 15, 2022. The Company will continue to monitor the standard setting activities of the FASB and evaluate their potential impact on the adoption of accounting standards such as ASU 2016-13 and ASU 2019-04. We are currently evaluating the methods and impact of adopting the CECL standard on the Condensed Consolidated Financial Statements. SEC Disclosure Update In August 2018, the 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 and six months ended June 30, 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, it 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.
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)	6 Months Ended
	Jun. 30, 2019
Accounting Policies [Abstract]
Schedule of Impact of the Correction	The Company has revised its Condensed Consolidated Financial Statements for the six months ended June 30, 2018 presented in this Form 10-Q. A summary of the correction follows: (dollars in thousands) Six Months Ended June 30, 2018 As Reported: (1) Net cash provided by continuing operating activities $ 52,097 Net cash used in continuing investing activities (3,915 ) As Corrected: Net cash provided by continuing operating activities 246,733 Net cash used in continuing investing activities (198,551 ) (1) "As reported" balances include amounts from continuing operations historically presented within these captions.

VARIABLE INTEREST ENTITIES (Tab

VARIABLE INTEREST ENTITIES (Tables)	6 Months Ended
	Jun. 30, 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) June 30, 2019 December 31, 2018 Assets Restricted cash $ 14,819 $ 12,840 Gross loans receivable less allowance for loan losses 190,121 136,187 Total Assets $ 204,940 $ 149,027 Liabilities Accounts payable and accrued liabilities $ 15,020 $ 4,980 Deferred revenue 45 40 Accrued interest 713 831 Long-term debt 90,977 107,479 Total Liabilities $ 106,755 $ 113,330

LOANS RECEIVABLE AND REVENUE (T

LOANS RECEIVABLE AND REVENUE (Tables)	6 Months Ended
	Jun. 30, 2019
Receivables [Abstract]
Summary of Revenue by Product	The following table summarizes revenue by product for the periods indicated: Three Months Ended June 30, Six Months Ended June 30, (in thousands) 2019 2018 2019 2018 Unsecured Installment $ 122,112 $ 114,936 $ 257,890 $ 240,315 Secured Installment 26,076 25,777 53,553 52,633 Open-End 54,972 27,222 107,841 54,445 Single-Pay 45,528 58,325 92,289 118,682 Ancillary 15,612 10,909 30,666 21,937 Total revenue $ 264,300 $ 237,169 $ 542,239 $ 488,012
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 June 30, 2019: June 30, 2019 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Total Current loans receivable $ 76,126 $ 126,685 $ 71,218 $ 247,915 $ 521,944 Delinquent loans receivable — 38,037 14,216 35,396 87,649 Total loans receivable 76,126 164,722 85,434 283,311 609,593 Less: allowance for losses (4,941 ) (35,223 ) (9,996 ) (51,717 ) (101,877 ) Loans receivable, net $ 71,185 $ 129,499 $ 75,438 $ 231,594 $ 507,716 June 30, 2019 (in thousands) Unsecured Installment Secured Installment Open-End Total Delinquent loans receivable 0-30 days past due $ 14,995 $ 7,096 $ 14,997 $ 37,088 31-60 days past due 11,176 3,358 9,455 23,989 61-90 days past due 11,866 3,762 10,944 26,572 Total delinquent loans receivable $ 38,037 $ 14,216 $ 35,396 $ 87,649 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 June 30, 2019: June 30, 2019 (in thousands) Unsecured Installment Secured Installment Total Current loans receivable guaranteed by the Company $ 54,968 $ 1,930 $ 56,898 Delinquent loans receivable guaranteed by the Company 10,087 354 10,441 Total loans receivable guaranteed by the Company 65,055 2,284 67,339 Less: Liability for losses on CSO lender-owned consumer loans (9,433 ) (71 ) (9,504 ) Loans receivable guaranteed by the Company, net $ 55,622 $ 2,213 $ 57,835 June 30, 2019 (in thousands) Unsecured Installment Secured Installment Total Delinquent loans receivable 0-30 days past due $ 8,511 $ 299 $ 8,810 31-60 days past due 1,052 37 1,089 61-90 days past due 524 18 542 Total delinquent loans receivable $ 10,087 $ 354 $ 10,441 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 June 30, 2018 : Three Months Ended June 30, 2018 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 3,514 $ 33,638 $ 11,639 $ 6,846 $ — $ 55,637 Charge-offs (41,242 ) (31,612 ) (11,082 ) (23,807 ) (593 ) (108,336 ) Recoveries 28,266 5,085 2,296 11,883 38 47,568 Net charge-offs (12,976 ) (26,527 ) (8,786 ) (11,924 ) (555 ) (60,768 ) Provision for losses 13,101 23,219 7,533 14,848 555 59,256 Effect of foreign currency translation (35 ) (39 ) — (53 ) — (127 ) Balance, end of period $ 3,604 $ 30,291 $ 10,386 $ 9,717 $ — $ 53,998 Allowance for loan losses as a percentage of gross loan receivables 4.3 % 18.9 % 12.3 % 10.7 % N/A 12.8 % The following table summarizes activity in the allowance for loan losses during the six months ended June 30, 2019 : Six Months Ended June 30, 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 (72,280 ) (81,573 ) (22,966 ) (34,326 ) (2,693 ) (213,838 ) Recoveries 52,212 11,684 5,816 10,696 1,721 82,129 Net charge-offs (20,068 ) (69,889 ) (17,150 ) (23,630 ) (972 ) (131,709 ) Provision for losses 20,714 67,359 14,955 54,690 972 158,690 Effect of foreign currency translation 106 37 — 756 — 899 Balance, end of period $ 4,941 $ 35,223 $ 9,996 $ 51,717 $ — $ 101,877 Allowance for loan losses as a percentage of gross loan receivables 6.5 % 21.4 % 11.7 % 18.3 % N/A 16.7 % The following table summarizes activity in the allowance for loan losses during the three months ended June 30, 2019 : Three Months Ended June 30, 2019 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 3,897 $ 33,666 $ 9,796 $ 46,963 $ — $ 94,322 Charge-offs (35,759 ) (37,336 ) (10,295 ) (30,688 ) (1,342 ) (115,420 ) Recoveries 24,301 5,366 2,693 5,537 822 38,719 Net charge-offs (11,458 ) (31,970 ) (7,602 ) (25,151 ) (520 ) (76,701 ) Provision for losses 12,446 33,514 7,802 29,373 520 83,655 Effect of foreign currency translation 56 13 — 532 — 601 Balance, end of period $ 4,941 $ 35,223 $ 9,996 $ 51,717 $ — $ 101,877 Allowance for loan losses as a percentage of gross loan receivables 6.5 % 21.4 % 11.7 % 18.3 % N/A 16.7 % The following table summarizes activity in the allowance for loan losses during the six months ended June 30, 2018 : Six Months Ended June 30, 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 (85,578 ) (66,831 ) (22,567 ) (44,156 ) (1,268 ) (220,400 ) Recoveries 61,084 10,303 5,162 21,260 85 97,894 Net charge-offs (24,494 ) (56,528 ) (17,405 ) (22,896 ) (1,183 ) (122,506 ) Provision for losses 22,993 47,958 14,319 26,276 1,183 112,729 Effect of foreign currency translation (99 ) (116 ) — (89 ) — (304 ) Balance, end of period $ 3,604 $ 30,291 $ 10,386 $ 9,717 $ — $ 53,998 Allowance for loan losses as a percentage of gross loan receivables 4.3 % 18.9 % 12.3 % 10.7 % N/A 12.8 %
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 six months ended June 30, 2019 : Six Months Ended (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 11,582 $ 425 $ 12,007 Charge-offs (75,545 ) (1,760 ) (77,305 ) Recoveries 17,638 1,459 19,097 Net charge-offs (57,907 ) (301 ) (58,208 ) Provision for losses 55,758 (53 ) 55,705 Balance, end of period $ 9,433 $ 71 $ 9,504 The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the three months ended June 30, 2019 : Three Months Ended (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 8,583 $ 78 $ 8,661 Charge-offs (34,564 ) (683 ) (35,247 ) Recoveries 7,078 657 7,735 Net charge-offs (27,486 ) (26 ) (27,512 ) Provision for losses 28,336 19 28,355 Balance, end of period $ 9,433 $ 71 $ 9,504 The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the three months ended June 30, 2018 : Three Months Ended June 30, 2018 (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 9,886 $ 526 $ 10,412 Charge-offs (33,017 ) (993 ) (34,010 ) Recoveries 7,350 776 8,126 Net charge-offs (25,667 ) (217 ) (25,884 ) Provision for losses 26,974 117 27,091 Balance, end of period $ 11,193 $ 426 $ 11,619 The following table summarizes activity in the liability for losses on CSO lender-owned consumer loans during the six months ended June 30, 2018 : Six Months Ended (in thousands) Unsecured Installment Secured Installment Total Balance, beginning of period $ 17,073 $ 722 $ 17,795 Charge-offs (74,736 ) (2,212 ) (76,948 ) Recoveries 18,326 1,945 20,271 Net charge-offs (56,410 ) (267 ) (56,677 ) Provision for losses 50,530 (29 ) 50,501 Balance, end of period $ 11,193 $ 426 $ 11,619
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 six months ended June 30, 2018 : Six Months Ended June 30, 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 (85,578 ) (141,567 ) (24,779 ) (44,156 ) (1,268 ) (297,348 ) Recoveries 61,084 28,629 7,107 21,260 85 118,165 Net charge-offs (24,494 ) (112,938 ) (17,672 ) (22,896 ) (1,183 ) (179,183 ) Provision for losses 22,993 98,488 14,290 26,276 1,183 163,230 Effect of foreign currency translation (99 ) (116 ) — (89 ) — (304 ) Balance, end of period $ 3,604 $ 41,484 $ 10,812 $ 9,717 $ — $ 65,617 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 June 30, 2019 : Three Months Ended June 30, 2019 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 3,897 $ 42,249 $ 9,874 $ 46,963 $ — $ 102,983 Charge-offs (35,759 ) (71,900 ) (10,978 ) (30,688 ) (1,342 ) (150,667 ) Recoveries 24,301 12,444 3,350 5,537 822 46,454 Net charge-offs (11,458 ) (59,456 ) (7,628 ) (25,151 ) (520 ) (104,213 ) Provision for losses 12,446 61,850 7,821 29,373 520 112,010 Effect of foreign currency translation 56 13 — 532 — 601 Balance, end of period $ 4,941 $ 44,656 $ 10,067 $ 51,717 $ — $ 111,381 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 June 30, 2018 : Three Months Ended June 30, 2018 (in thousands) Single-Pay Unsecured Installment Secured Installment Open-End Other Total Balance, beginning of period $ 3,514 $ 43,524 $ 12,165 $ 6,846 $ — $ 66,049 Charge-offs (41,242 ) (64,629 ) (12,075 ) (23,807 ) (593 ) (142,346 ) Recoveries 28,266 12,435 3,072 11,883 38 55,694 Net charge-offs (12,976 ) (52,194 ) (9,003 ) (11,924 ) (555 ) (86,652 ) Provision for losses 13,101 50,193 7,650 14,848 555 86,347 Effect of foreign currency translation (35 ) (39 ) — (53 ) — (127 ) Balance, end of period $ 3,604 $ 41,484 $ 10,812 $ 9,717 $ — $ 65,617 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 six months ended June 30, 2019 : Six Months Ended June 30, 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 (72,280 ) (157,118 ) (24,726 ) (34,326 ) (2,693 ) (291,143 ) Recoveries 52,212 29,322 7,275 10,696 1,721 101,226 Net charge-offs (20,068 ) (127,796 ) (17,451 ) (23,630 ) (972 ) (189,917 ) Provision for losses 20,714 123,117 14,902 54,690 972 214,395 Effect of foreign currency translation 106 37 — 756 — 899 Balance, end of period $ 4,941 $ 44,656 $ 10,067 $ 51,717 $ — $ 111,381

LONG-TERM DEBT (Tables)

LONG-TERM DEBT (Tables)	6 Months Ended
	Jun. 30, 2019
Debt Disclosure [Abstract]
Schedule of Long-term Debt Instruments	Long-term debt consisted of the following: (in thousands) June 30, 2019 December 31, 2018 8.25% Senior Secured Notes (due 2025) $ 677,535 $ 676,661 Non-Recourse Canada SPV Facility 90,977 107,479 Senior Revolver — 20,000 Long-term debt $ 768,512 $ 804,140

SHARE-BASED COMPENSATION Tables

SHARE-BASED COMPENSATION Tables (Tables)	6 Months Ended
	Jun. 30, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of Restricted Stock Activity	A summary of the status of time-based and market-based RSUs as of June 30, 2019 and changes during the six months ended June 30, 2019 are presented in the following table: Number of RSUs Time-Based Market-Based Weighted Average Grant Date Fair Value per Share December 31, 2018 1,060,350 — $ 14.29 Granted 579,540 394,755 10.07 Vested (83,481 ) — 15.59 Forfeited (68,778 ) — 14.05 June 30, 2019 1,487,631 394,755 $ 12.06

FINANCIAL INSTRUMENTS (Tables)

FINANCIAL INSTRUMENTS (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2019 : Estimated Fair Value (in thousands) Carrying Value June 30, Level 1 Level 2 Level 3 Total Financial assets: Cash $ 92,297 $ 92,297 $ — $ — $ 92,297 Restricted cash 33,712 33,712 — — 33,712 Loans receivable, net 507,716 — — 507,716 507,716 Investment in Cognical 7,178 — — 7,178 7,178 Financial liabilities: Liability for losses on CSO lender-owned consumer loans $ 9,504 $ — $ — $ 9,504 $ 9,504 8.25% Senior Secured Notes 677,535 — — 574,211 574,211 Non-Recourse Canada SPV facility 90,977 — — 94,565 94,565 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 Total 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)	6 Months Ended
	Jun. 30, 2019
Equity [Abstract]
Schedule of Stockholders Equity	The following table summarizes the changes in stockholders' equity for the three and six months ended June 30, 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 Net income from continuing operations — — — 18,718 — 18,718 Net loss from discontinued operations — — — (2,743 ) — (2,743 ) Foreign currency translation adjustment — — — — (6,754 ) (6,754 ) Cash flow hedge expiration — — — — (439 ) (439 ) Share based compensation expense — — 1,478 — — 1,478 Proceeds from exercise of stock options 209,132 — 39 — — 39 Common stock issued for RSU's vesting 49,994 — — — — — Balances at June 30, 2018 45,820,545 $ 9 $ 62,573 $ 43,255 $ (52,988 ) $ 52,849 (1) Accumulated other comprehensive income (loss) Common Stock Paid-in capital Treasury Stock 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 Net income from continuing operations — — — — 17,667 — 17,667 Net income from discontinued operations — — — — (834 ) — (834 ) Foreign currency translation adjustment — — — — — 3,635 3,635 Share based compensation expense — — 2,644 — — — 2,644 Proceeds from exercise of stock options 4,908 — 29 — — — 29 Purchase of shares under the stock repurchase program (244,200 ) — — (2,507 ) — — (2,507 ) Common stock issued for RSU's vesting, net of shares withheld and withholding paid for employee taxes 63,285 — — — — — — Balances at June 30, 2019 46,255,282 $ 9 $ 64,790 $ (2,507 ) $ 35,816 $ (40,730 ) $ 57,378 (1) Accumulated other comprehensive income (loss)

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	6 Months Ended
	Jun. 30, 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 Six Months Ended 2019 2018 2019 2018 Net income from continuing operations $ 17,667 $ 18,718 $ 46,340 $ 43,631 Net income (loss) from discontinued operations, net of tax (834 ) (2,743 ) $ 7,541 $ (4,364 ) Net income $ 16,833 $ 15,975 $ 53,881 $ 39,267 Weighted average common shares - basic 46,451 45,650 46,438 45,578 Dilutive effect of stock options and restricted stock units 656 2,346 897 2,179 Weighted average common shares - diluted 47,107 47,996 47,335 47,757 Basic income (loss) per share: Continuing operations $ 0.38 $ 0.41 $ 1.00 $ 0.96 Discontinued operations (0.02 ) (0.06 ) 0.16 (0.10 ) Basic income per share $ 0.36 $ 0.35 $ 1.16 $ 0.86 Diluted income (loss) per share: Continuing operations $ 0.38 $ 0.39 $ 0.98 $ 0.92 Discontinued operations (0.02 ) (0.06 ) 0.16 (0.10 ) Diluted income per share $ 0.36 $ 0.33 $ 1.14 $ 0.82

SUPPLEMENTAL CASH FLOW INFORM_2

SUPPLEMENTAL CASH FLOW INFORMATION (Tables)	6 Months Ended
	Jun. 30, 2019
Supplemental Cash Flow Elements [Abstract]
Schedule of Supplemental Cash Flow Information	The following table provides supplemental cash flow information: Six Months Ended (dollars in thousands) 2019 2018 Cash paid for: Interest $ 34,678 $ 44,250 Income taxes 4,231 11,621 Non-cash investing activities: Property and equipment accrued in accounts payable $ 105 $ 595

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	6 Months Ended
	Jun. 30, 2019
Segment Reporting [Abstract]
Summary of Financial Information by Segment	The following table illustrates summarized financial information concerning reportable segments. Three Months Ended Six Months Ended (dollars in thousands) 2019 2018 2019 2018 Revenues by segment: U.S. $ 210,046 $ 190,126 $ 436,165 $ 394,719 Canada 54,254 47,043 106,074 93,293 Consolidated revenue $ 264,300 $ 237,169 $ 542,239 $ 488,012 Gross margin by segment: U.S. $ 65,067 $ 64,048 $ 154,870 $ 155,392 Canada 16,114 13,300 31,808 27,802 Consolidated gross margin $ 81,181 $ 77,348 $ 186,678 $ 183,194 Segment operating income: U.S. $ 17,029 $ 15,362 $ 48,224 $ 42,194 Canada 8,091 8,534 15,615 18,082 Consolidated operating profit $ 25,120 $ 23,896 $ 63,839 $ 60,276 Expenditures for long-lived assets by segment: U.S. $ 2,568 $ 1,195 $ 4,998 $ 1,983 Canada 477 220 1,166 974 Consolidated expenditures for long-lived assets $ 3,045 $ 1,415 $ 6,164 $ 2,957 The following table provides gross loans receivable by segment: (dollars in thousands) June 30, December 31, U.S. $ 340,968 $ 361,473 Canada 268,625 210,058 Total gross loans receivable $ 609,593 $ 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) June 30, 2019 December 31, 2018 U.S. $ 44,209 $ 47,918 Canada 28,784 28,832 Total net long-lived assets $ 72,993 $ 76,750

LEASES (Tables)

LEASES (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2019: (in thousands) Third-Party Related-Party Total 2019 $ 15,517 $ 1,840 $ 17,357 2020 30,735 3,752 34,487 2021 30,344 3,852 34,196 2022 29,353 3,909 33,262 2023 25,280 3,616 28,896 Thereafter 44,277 10,883 55,160 Total 175,506 27,852 203,358 Less: Imputed interest (45,852 ) (8,663 ) (54,515 ) Operating lease liabilities $ 129,654 $ 19,189 $ 148,843

DISCONTINUED OPERATIONS (Tables

DISCONTINUED OPERATIONS (Tables)	6 Months Ended
	Jun. 30, 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 Six Months Ended June 30, (in thousands) 2019 2018 2019 (1) 2018 Revenue $ — $ 11,814 $ 6,957 $ 22,729 Provision for losses — 5,639 1,703 9,787 Net revenue — 6,175 5,254 12,942 Cost of providing services Office — 545 246 1,073 Other costs of providing services — 125 61 1,094 Advertising — 2,441 775 4,312 Total cost of providing services — 3,111 1,082 6,479 Gross margin — 3,064 4,172 6,463 Operating expense (income) Corporate, district and other expenses — 5,675 3,810 10,700 Interest income — (7 ) (4 ) (12 ) Loss on disposition — — 39,414 — Total operating expense — 5,668 43,220 10,688 Pre-tax (loss) income from operations of discontinued operations — (2,604 ) (39,048 ) (4,225 ) Income tax expense (benefit) related to disposition 834 139 (46,589 ) 139 Net income (loss) from discontinued operations $ (834 ) $ (2,743 ) $ 7,541 $ (4,364 ) (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) June 30, 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 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: Six Months Ended June 30, (in thousands) 2019 (1) 2018 Net cash (used in) / provided by discontinued operating activities $ (504 ) $ 5,458 Net cash used in discontinued investing activities (14,213 ) (14,349 ) 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)	6 Months Ended
	Jun. 30, 2019
Condensed Financial Information Disclosure [Abstract]
Condensed Consolidating Balance Sheets	Condensed Consolidating Balance Sheets June 30, 2019 (dollars in thousands) Subsidiary Guarantors Subsidiary Non-Guarantors Canada SPV CURO Eliminations CURO Assets: Cash $ 68,354 $ 23,943 $ — $ — $ — $ 92,297 Restricted cash 16,198 2,695 14,819 — — 33,712 Loans receivable, net 269,298 48,297 190,121 — — 507,716 Right of use asset - operating leases 79,000 61,982 — — — 140,982 Deferred income taxes (7,848 ) — — 10,485 — 2,637 Income taxes receivable (470 ) 6,395 — 31,654 — 37,579 Prepaid expenses and other 23,038 7,203 — — — 30,241 Property and equipment, net 44,209 28,784 — — — 72,993 Goodwill 91,131 29,319 — — — 120,450 Other intangibles, net 8,420 22,237 — — — 30,657 Intercompany receivable 107,251 — — — (107,251 ) — Investment in subsidiaries — — — (1,515 ) 1,515 — Other 15,401 690 — — — 16,091 Total assets $ 713,982 $ 231,545 $ 204,940 $ 40,624 $ (105,736 ) $ 1,085,355 Liabilities and Stockholders' equity: Accounts payable and accrued liabilities $ 44,667 $ (1,166 ) $ 15,020 $ 753 $ — $ 59,274 Deferred revenue 5,237 3,430 45 — — 8,712 Lease liability - operating leases 86,685 62,158 — — — 148,843 Income taxes payable (18,731 ) — — 18,731 — — Accrued interest 2 — 713 18,975 — 19,690 Payable to CURO Holdings Corp. 736,920 — — (736,920 ) — — CSO liability for losses 9,504 — — — — 9,504 Long-term debt — — 90,976 677,536 — 768,512 Intercompany payable — 20,002 87,249 — (107,251 ) — Other liabilities 7,999 595 — — — 8,594 Deferred tax liabilities (4,171 ) 4,848 — 4,171 — 4,848 Total liabilities 868,112 89,867 194,003 (16,754 ) (107,251 ) 1,027,977 Stockholder’s equity (154,130 ) 141,678 10,937 57,378 1,515 57,378 Total liabilities and stockholder’s equity $ 713,982 $ 231,545 $ 204,940 $ 40,624 $ (105,736 ) $ 1,085,355 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 June 30, 2019 (dollars in thousands) Subsidiary Subsidiary Canada SPV CURO Eliminations CURO Revenue $ 210,046 $ 28,162 $ 26,092 $ — $ — $ 264,300 Provision for losses 92,552 6,344 13,114 — — 112,010 Net revenue 117,494 21,818 12,978 — — 152,290 Cost of providing services: Salaries and benefits 17,422 8,664 — — — 26,086 Occupancy 8,033 5,899 — — — 13,932 Office 4,004 1,453 — — — 5,457 Other costs of providing services 11,789 1,065 — — — 12,854 Advertising 11,179 1,601 — — — 12,780 Total cost of providing services 52,427 18,682 — — — 71,109 Gross margin 65,067 3,136 12,978 — — 81,181 Operating (income) expense: Corporate, district and other expenses 30,766 6,422 (781 ) 2,631 — 39,038 Intercompany management fee (3,237 ) 3,229 8 — — — Interest expense 27 7 2,375 14,614 — 17,023 Intercompany interest (income) expense (1,513 ) 890 623 — — — Total operating expense 26,043 10,548 2,225 17,245 — 56,061 Income (loss) from continuing operations before income taxes 39,024 (7,412 ) 10,753 (17,245 ) — 25,120 Provision (benefit) for income tax expense 9,591 1,094 — (3,232 ) — 7,453 Net income (loss) from continuing operations 29,433 (8,506 ) 10,753 (14,013 ) — 17,667 Net loss on discontinued operations — (834 ) — — — (834 ) Net (loss) income 29,433 (9,340 ) 10,753 (14,013 ) — 16,833 Equity in net income (loss) of subsidiaries: CFTC — — — 30,846 (30,846 ) — Guarantor Subsidiaries 29,433 — — — (29,433 ) — Non-Guarantor Subsidiaries (9,340 ) — — — 9,340 — SPV Subs 10,753 — — — (10,753 ) — Net income (loss) attributable to CURO $ 60,279 $ (9,340 ) $ 10,753 $ 16,833 $ (61,692 ) $ 16,833 Three Months Ended June 30, 2018 (dollars in thousands) CFTC CURO Intermediate Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs Eliminations CFTC Consolidated CURO Eliminations CURO Consolidated Revenue $ — $ — $ 118,034 $ 47,043 $ 72,092 $ — $ 237,169 $ — $ — $ 237,169 Provision for losses — — 46,320 14,360 25,667 — 86,347 — — 86,347 Net revenue — — 71,714 32,683 46,425 — 150,822 — — 150,822 Cost of providing services: Salaries and benefits — — 18,070 8,838 — — 26,908 — — 26,908 Occupancy — — 7,643 5,677 — — 13,320 — — 13,320 Office — — 4,247 1,285 — — 5,532 — — 5,532 Other store operating expenses — — 11,254 881 466 — 12,601 — — 12,601 Advertising — — 12,409 2,704 — — 15,113 — — 15,113 Total cost of providing services — — 53,623 19,385 466 — 73,474 — — 73,474 Gross Margin — — 18,091 13,298 45,959 — 77,348 — — 77,348 Operating (income) expense: Corporate, district and other expenses 458 18 25,383 4,759 46 — 30,664 2,316 — 32,980 Intercompany management fee — — (6,920 ) 3,281 3,639 — — — — — Interest expense 16,585 — (60 ) 7 3,940 — 20,472 — — 20,472 Intercompany interest (income) expense — (904 ) (180 ) 1,084 — — — — — — Loss on extinguishment of debt — — — — — — — — — — Total operating expense 17,043 (886 ) 18,223 9,131 7,625 — 51,136 2,316 — 53,452 (Loss) income from continuing operations before income taxes (17,043 ) 886 (132 ) 4,167 38,334 — 26,212 (2,316 ) — 23,896 (Benefit) provision for income tax expense (5,418 ) 13,668 (4,458 ) 1,962 — — 5,754 (576 ) — 5,178 Net (loss) income from continuing operations (11,625 ) (12,782 ) 4,326 2,205 38,334 — 20,458 (1,740 ) — 18,718 Net loss from discontinued operations — — — (2,743 ) — — (2,743 ) — — (2,743 ) Net (loss) income (11,625 ) (12,782 ) 4,326 (538 ) 38,334 — 17,715 (1,740 ) — 15,975 Equity in net income (loss) of subsidiaries: CFTC — — — — — — — 20,458 (20,458 ) — CURO Intermediate (12,782 ) — — — — 12,782 — — — — Guarantor Subsidiaries 4,326 — — — — (4,326 ) — — — — Non-Guarantor Subsidiaries 2,205 — — — — (2,205 ) — — — — SPV Subs 38,334 — — — — (38,334 ) — — — — Net income (loss) attributable to CURO $ 20,458 $ (12,782 ) $ 4,326 $ (538 ) $ 38,334 $ (32,083 ) $ 17,715 $ 18,718 $ (20,458 ) $ 15,975 Six Months Ended June 30, 2019 (dollars in thousands) Subsidiary Subsidiary Canada SPV CURO Eliminations CURO Revenue $ 436,165 $ 54,936 $ 51,138 $ — $ — $ 542,239 Provision for losses 177,532 10,443 26,420 — — 214,395 Net revenue 258,633 44,493 24,718 — — 327,844 Cost of providing services: Salaries and benefits 37,373 17,414 — — — 54,787 Occupancy 16,043 12,126 — — — 28,169 Office 7,893 2,677 — — — 10,570 Other costs of providing services 24,921 2,153 — — — 27,074 Advertising 17,533 3,033 — — — 20,566 Total cost of providing services 103,763 37,403 — — — 141,166 Gross margin 154,870 7,090 24,718 — — 186,678 Operating (income) expense: Corporate, district and other expenses 72,304 11,604 (755 ) 4,973 — 88,126 Intercompany management fee (6,300 ) 6,284 16 — — — Interest expense 317 79 5,265 29,052 — 34,713 Intercompany interest (income) expense (2,393 ) 1,770 623 — — — Total operating expense 63,928 19,737 5,149 34,025 — 122,839 Income (loss) from continuing operations before income taxes 90,942 (12,647 ) 19,569 (34,025 ) — 63,839 Provision (benefit) for income tax expense 23,610 2,129 — (8,240 ) — 17,499 Net income (loss) from continuing operations 67,332 (14,776 ) 19,569 (25,785 ) — 46,340 Net loss on discontinued operations — 7,541 — — — 7,541 Net (loss) income 67,332 (7,235 ) 19,569 (25,785 ) — 53,881 Equity in net income (loss) of subsidiaries: CFTC — — — 79,666 (79,666 ) — Guarantor Subsidiaries 67,332 — — — (67,332 ) — Non-Guarantor Subsidiaries (7,235 ) — — — 7,235 — SPV Subs 19,569 — — — (19,569 ) — Net income (loss) attributable to CURO $ 146,998 $ (7,235 ) $ 19,569 $ 53,881 $ (159,332 ) $ 53,881 Six Months Ended June 30, 2018 (dollars in thousands) CFTC CURO Intermediate Subsidiary Guarantors Subsidiary Non-Guarantors SPV Subs Eliminations CFTC Consolidated CURO Eliminations CURO Consolidated Revenue $ — $ — $ 246,442 $ 93,293 $ 148,277 $ — $ 488,012 $ — $ — $ 488,012 Provision for losses — — 82,089 26,910 54,231 — 163,230 — — 163,230 Net revenue — — 164,353 66,383 94,046 — 324,782 — — 324,782 Cost of providing services: Salaries and benefits — — 36,089 17,737 — — 53,826 — — 53,826 Occupancy — — 15,289 11,458 — — 26,747 — — 26,747 Office — — 9,830 2,155 — — 11,985 — — 11,985 Other store operating expenses — — 23,284 1,801 947 — 26,032 — — 26,032 Advertising — — 17,568 5,430 — — 22,998 — — 22,998 Total cost of providing services — — 102,060 38,581 947 — 141,588 — — 141,588 Gross Margin — — 62,293 27,802 93,099 — 183,194 — — 183,194 Operating (income) expense: Corporate, district and other expenses 906 25 53,375 9,656 76 — 64,038 4,371 — 68,409 Intercompany management fee — — (13,822 ) 6,775 7,047 — — — — — Interest expense 34,907 — (172 ) 64 8,027 — 42,826 — — 42,826 Intercompany interest (income) expense — (1,784 ) (259 ) 2,043 — — — — — — Loss on extinguishment of debt 11,683 — — — — — 11,683 — — 11,683 Total operating expense 47,496 (1,759 ) 39,122 18,538 15,150 — 118,547 4,371 — 122,918 (Loss) income from continuing operations before income taxes (47,496 ) 1,759 23,171 9,264 77,949 — 64,647 (4,371 ) — 60,276 (Benefit) provision for income tax expense (12,259 ) 32,165 (6,043 ) 3,891 — — 17,754 (1,109 ) — 16,645 Net (loss) income from continuing operations (35,237 ) (30,406 ) 29,214 5,373 77,949 — 46,893 (3,262 ) — 43,631 Net loss from discontinued operations — — — (4,364 ) — — (4,364 ) — — (4,364 ) Net (loss) income (35,237 ) (30,406 ) 29,214 1,009 77,949 — 42,529 (3,262 ) — 39,267 Equity in net income (loss) of subsidiaries: CFTC — — — — — — — 42,529 (42,529 ) — CURO Intermediate (30,406 ) — — — — 30,406 — — — — Guarantor Subsidiaries 29,214 — — — — (29,214 ) — — — — Non-Guarantor Subsidiaries 1,009 — — — — (1,009 ) — — — — SPV Subs 77,949 — — — — (77,949 ) — — — — Net income (loss) attributable to CURO $ 42,529 $ (30,406 ) $ 29,214 $ 1,009 $ 77,949 $ (77,766 ) $ 42,529 $ 39,267 $ (42,529 ) $ 39,267
Condensed Consolidating Statements of Cash Flows	Condensed Consolidating Statements of Cash Flows Six Months Ended June 30, 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 $ 204,323 $ 10,929 $ 93,690 $ 1,833 $ 1,544 $ 312,319 Net cash used in discontinued operating activities — (504 ) — — — (504 ) Cash flows from investing activities: Purchase of property, equipment and software (4,998 ) (1,166 ) — — — (6,164 ) Investment in Cognical Holdings (4,368 ) — — — — (4,368 ) Originations of loans, net (142,871 ) (3,227 ) (71,101 ) — — (217,199 ) Net cash (used in) provided by continuing investing activities (152,237 ) (4,393 ) (71,101 ) — — (227,731 ) Net cash used in discontinued investing activities — (14,213 ) — — — (14,213 ) Cash flows from financing activities: Proceeds from Non-Recourse U.S. SPV facility — — — — — — Payments on Non-Recourse U.S. SPV facility — — — — — — Proceeds from Non-Recourse Canada SPV facility — — 3,750 — — 3,750 Payments on Non-Recourse Canada SPV facility — — (24,752 ) — — (24,752 ) Proceeds from revolving credit facilities 30,000 38,002 — — — 68,002 Payments on revolving credit facilities (50,000 ) (38,002 ) — — — (88,002 ) Payments on subordinated stockholder debt — (2,245 ) — — — (2,245 ) Proceeds from exercise of stock options 69 — — (42 ) — 27 Debt issuance costs paid — — (169 ) (29 ) — (198 ) Repurchase of common stock — — — (1,762 ) — (1,762 ) Net cash used in provided by financing activities (1) (19,931 ) (2,245 ) (21,171 ) (1,833 ) — (45,180 ) Effect of exchange rate changes on cash and restricted cash — 2,444 561 — (1,544 ) 1,461 Net increase (decrease) in cash and restricted cash 32,155 (7,982 ) 1,979 — — 26,152 Cash and restricted cash at beginning of period 52,397 34,620 12,840 — — 99,857 Cash at end of period $ 84,552 $ 26,638 $ 14,819 $ — $ — $ 126,009 (1) Financing activities include continuing operations only and were not impacted by discontinued operations Six Months Ended June 30, 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 $ 87,848 $ — $ 38,259 $ 53,104 $ 67,767 $ 12,305 $ 259,283 $ (12,550 ) $ 246,733 Net cash provided by (used in) discontinued operating activities — — — 14,225 — (8,767 ) 5,458 — 5,458 Net cash provided by (used in) operating activities 87,848 — 38,259 67,329 67,767 3,538 264,741 (12,550 ) 252,191 Cash flows from investing activities: Purchase of property, equipment and software — — (1,983 ) (974 ) — — (2,957 ) — (2,957 ) Originations of loans, net — — (84,640 ) (48,795 ) (61,201 ) — (194,636 ) — (194,636 ) Investment in Cognical Holdings (958 ) — — — — — (958 ) — (958 ) Net cash (used in) provided by continuing investing activities (958 ) — (86,623 ) (49,769 ) (61,201 ) — (198,551 ) — (198,551 ) Net cash provided by (used in) discontinued investing activities — — — (14,349 ) — — (14,349 ) — (14,349 ) Net cash provided by (used in) investing activities (958 ) — (86,623 ) (64,118 ) (61,201 ) — (212,900 ) — (212,900 ) Cash flows from financing activities: Proceeds from Non-Recourse U.S. SPV facility — — — — 13,000 — 13,000 — 13,000 Payments on Non-Recourse U.S. SPV facility — — — — (19,163 ) — (19,163 ) — (19,163 ) Proceeds from revolving credit facilities 10,000 — — 8,798 — — 18,798 — 18,798 Payments on revolving credit facilities (10,000 ) — — (8,798 ) — — (18,798 ) — (18,798 ) Net proceeds from issuance of common stock — — — — — — — 12,431 12,431 Proceeds from exercise of stock options — — — — — — — 39 39 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 (90 ) — — (78 ) — — (168 ) — (168 ) Net cash (used in) provided by financing activities (1) (86,890 ) — — (78 ) (6,163 ) — (93,131 ) 12,470 (80,661 ) Effect of exchange rate changes on cash — — — (651 ) — (3,538 ) (4,189 ) — (4,189 ) Net (decrease) increase in cash and restricted cash — — (48,364 ) 2,482 403 — (45,479 ) (80 ) (45,559 ) 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 — — 70,692 50,966 7,274 — 128,932 — 128,932 Less: Cash and restricted cash at end of period of Discontinued Operations — — — 12,460 — — 12,460 — 12,460 Cash and restricted cash at end of period of Continuing Operations $ — $ — $ 70,692 $ 38,506 $ 7,274 $ — $ 116,472 $ — $ 116,472

SHARE REPURCHASE PROGRAM (Table

SHARE REPURCHASE PROGRAM (Tables)	6 Months Ended
	Jun. 30, 2019
Equity [Abstract]
Schedule of Share Repurchase Program	The table below summarizes share repurchase activity during the three and six months ended June 30, 2019 : Six Months Ended June 30, (in thousands, except per share amounts and number of share amounts) 2019 Total number of shares repurchased 244,200 Average price paid per share $ 10.26 Total value of shares repurchased $ 2,507 Total authorized repurchase amount $ 50,000 Total value of shares repurchased 2,507 Total remaining authorized repurchase amount $ 47,493 The Company repurchased 989,500 shares from July 1, 2019 through August 2, 2019: July 1 - August 2 (in thousands, except per share amounts and number of share amounts) 2019 Total number of shares repurchased 989,500 Average price paid per share $ 10.85 Total value of shares repurchased $ 10,731

SUBSEQUENT EVENTS (Tables)

SUBSEQUENT EVENTS (Tables)	6 Months Ended
	Jun. 30, 2019
Subsequent Events [Abstract]
Schedule of Share Repurchase Program	The table below summarizes share repurchase activity during the three and six months ended June 30, 2019 : Six Months Ended June 30, (in thousands, except per share amounts and number of share amounts) 2019 Total number of shares repurchased 244,200 Average price paid per share $ 10.26 Total value of shares repurchased $ 2,507 Total authorized repurchase amount $ 50,000 Total value of shares repurchased 2,507 Total remaining authorized repurchase amount $ 47,493 The Company repurchased 989,500 shares from July 1, 2019 through August 2, 2019: July 1 - August 2 (in thousands, except per share amounts and number of share amounts) 2019 Total number of shares repurchased 989,500 Average price paid per share $ 10.85 Total value of shares repurchased $ 10,731

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS - Narrative (Details) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended		6 Months Ended
	Apr. 30, 2019	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Gross combined loans receivable, 90 days past-due		$ 87,649		$ 87,649		$ 66,476
Net cash provided by operating activities				(312,319)	$ (246,733)
Net cash used in investing activities				227,731	198,551
Right of use asset - operating leases		140,982		140,982
Lease liability - operating leases		148,843		148,843
Accounting Standards Update 2016-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Right of use asset - operating leases		141,000		141,000
Lease liability - operating leases		148,800		148,800
Operating lease asset, prepaid rent		2,700		2,700
Operating lease liability, deferred		$ 10,900		$ 10,900
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					(48,200)
Net cash used in investing activities					$ 48,200
Credit Concentration Risk | Allowance for Losses on Finance Receivables
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Concentration risk, percentage		16.70%	12.80%	16.70%	12.80%
Consumer Portfolio Segment
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Gross combined loans receivable, 90 days past-due		$ 87,649		$ 87,649		66,476
Consumer Portfolio Segment | Open-End
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Gross combined loans receivable, 90 days past-due		35,396		35,396		$ 0
Interest earned on past-due loan balances		$ 12,000		$ 21,000
Consumer Portfolio Segment | Open-End | Credit Concentration Risk | Allowance for Losses on Finance Receivables
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Concentration risk, percentage		18.30%	10.70%	18.30%	10.70%
Cognical Holdings, Inc. (Zibby)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Payments to acquire equity method investments	$ 2,800

SUMMARY OF SIGNIFICANT ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AND NATURE OF OPERATIONS - Schedule of Impact of Correction (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net cash provided by continuing operating activities	$ 312,319	$ 246,733
Net cash used in continuing investing activities	$ (227,731)	(198,551)
Previously Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net cash provided by continuing operating activities		52,097
Net cash used in continuing investing activities		$ (3,915)

VARIABLE INTEREST ENTITIES - Ca

VARIABLE INTEREST ENTITIES - Carrying Amounts of Consolidated VIE Assets and Liabilities (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
ASSETS
Total Assets	$ 1,085,355	$ 919,617
Liabilities
Total Liabilities	1,027,977	938,718
Variable Interest Entity
ASSETS
Restricted cash	14,819	12,840
Gross loans receivable less allowance for loan losses	190,121	136,187
Total Assets	204,940	149,027
Liabilities
Accounts payable and accrued liabilities	15,020	4,980
Deferred revenue	45	40
Accrued interest	713	831
Long-term debt	90,977	107,479
Total Liabilities	$ 106,755	$ 113,330

LOANS RECEIVABLE AND REVENUE -

LOANS RECEIVABLE AND REVENUE - Revenue by Product (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Revenue from External Customer [Line Items]
Revenue	$ 264,300	$ 237,169	$ 542,239	$ 488,012
Consumer Portfolio Segment | Unsecured Installment
Revenue from External Customer [Line Items]
Revenue	122,112	114,936	257,890	240,315
Consumer Portfolio Segment | Secured Installment
Revenue from External Customer [Line Items]
Revenue	26,076	25,777	53,553	52,633
Consumer Portfolio Segment | Open-End
Revenue from External Customer [Line Items]
Revenue	54,972	27,222	107,841	54,445
Consumer Portfolio Segment | Single-Pay
Revenue from External Customer [Line Items]
Revenue	45,528	58,325	92,289	118,682
Ancillary
Revenue from External Customer [Line Items]
Revenue	$ 15,612	$ 10,909	$ 30,666	$ 21,937

LOANS RECEIVABLE AND REVENUE _2

LOANS RECEIVABLE AND REVENUE - Loans Receivable by Product and Delinquency (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	$ 521,944		$ 505,055
Delinquent loans receivable	87,649		66,476
Total loans receivable	609,593		571,531
Less: allowance for losses	(101,877)	$ (94,322)	(73,997)	$ (53,998)	$ (55,637)	$ (64,079)
Loans receivable, net	507,716		497,534
Consumer Portfolio Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Delinquent loans receivable	87,649		66,476
Consumer Portfolio Segment | Single-Pay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	76,126		80,823
Delinquent loans receivable	0		0
Total loans receivable	76,126		80,823
Less: allowance for losses	(4,941)	(3,897)	(4,189)	(3,604)	(3,514)	(5,204)
Loans receivable, net	71,185		76,634
Consumer Portfolio Segment | Unsecured Installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	126,685		141,316
Delinquent loans receivable	38,037		49,087
Total loans receivable	164,722		190,403
Less: allowance for losses	(35,223)	(33,666)	(37,716)	(30,291)	(33,638)	(38,977)
Loans receivable, net	129,499		152,687
Consumer Portfolio Segment | Secured Installment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	71,218		75,583
Delinquent loans receivable	14,216		17,389
Total loans receivable	85,434		92,972
Less: allowance for losses	(9,996)	(9,796)	(12,191)	(10,386)	(11,639)	(13,472)
Loans receivable, net	75,438		80,781
Consumer Portfolio Segment | Open-End
Accounts, Notes, Loans and Financing Receivable [Line Items]
Current loans receivable	247,915		207,333
Delinquent loans receivable	35,396		0
Total loans receivable	283,311		207,333
Less: allowance for losses	(51,717)	$ (46,963)	(19,901)	$ (9,717)	$ (6,846)	$ (6,426)
Loans receivable, net	$ 231,594		$ 187,432

LOANS RECEIVABLE AND REVENUE _3

LOANS RECEIVABLE AND REVENUE - Delinquent Loans - Aging Analysis (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	$ 87,649	$ 66,476
Consumer Portfolio Segment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	87,649	66,476
Consumer Portfolio Segment | 0-30 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	37,088	25,720
Consumer Portfolio Segment | 31-60 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	23,989	19,430
Consumer Portfolio Segment | 61-90 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	26,572	21,326
Consumer Portfolio Segment | Unsecured Installment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	38,037	49,087
Consumer Portfolio Segment | Unsecured Installment | 0-30 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	14,995	17,850
Consumer Portfolio Segment | Unsecured Installment | 31-60 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	11,176	14,705
Consumer Portfolio Segment | Unsecured Installment | 61-90 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	11,866	16,532
Consumer Portfolio Segment | Secured Installment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	14,216	17,389
Consumer Portfolio Segment | Secured Installment | 0-30 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	7,096	7,870
Consumer Portfolio Segment | Secured Installment | 31-60 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	3,358	4,725
Consumer Portfolio Segment | Secured Installment | 61-90 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	3,762	4,794
Consumer Portfolio Segment | Open-End
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	35,396	$ 0
Consumer Portfolio Segment | Open-End | 0-30 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	14,997
Consumer Portfolio Segment | Open-End | 31-60 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	9,455
Consumer Portfolio Segment | Open-End | 61-90 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable	$ 10,944

LOANS RECEIVABLE AND REVENUE _4

LOANS RECEIVABLE AND REVENUE - Loans Receivable by Product, Credit Services Organization (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable Disclosure [Line Items]
Current loans receivable guaranteed by the Company	$ 56,898		$ 68,247
Delinquent loans receivable guaranteed by the Company	10,441		12,154
Total loans receivable guaranteed by the Company	67,339		80,401
Less: Liability for losses on CSO lender-owned consumer loans	(9,504)	$ (8,661)	(12,007)	$ (11,619)	$ (10,412)	$ (17,795)
Loans receivable guaranteed by the Company, net	57,835		68,394
Consumer Portfolio Segment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	10,441		12,154
Consumer Portfolio Segment | Unsecured Installment
Loans and Leases Receivable Disclosure [Line Items]
Current loans receivable guaranteed by the Company	54,968		65,743
Delinquent loans receivable guaranteed by the Company	10,087		11,708
Total loans receivable guaranteed by the Company	65,055		77,451
Less: Liability for losses on CSO lender-owned consumer loans	(9,433)	(8,583)	(11,582)	(11,193)	(9,886)	(17,073)
Loans receivable guaranteed by the Company, net	55,622		65,869
Consumer Portfolio Segment | Secured Installment
Loans and Leases Receivable Disclosure [Line Items]
Current loans receivable guaranteed by the Company	1,930		2,504
Delinquent loans receivable guaranteed by the Company	354		446
Total loans receivable guaranteed by the Company	2,284		2,950
Less: Liability for losses on CSO lender-owned consumer loans	(71)	$ (78)	(425)	$ (426)	$ (526)	$ (722)
Loans receivable guaranteed by the Company, net	$ 2,213		$ 2,525

LOANS RECEIVABLE AND REVENUE _5

LOANS RECEIVABLE AND REVENUE - Delinquent Loans, Credit Services Organization - Aging Analysis (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	$ 10,441	$ 12,154
Consumer Portfolio Segment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	10,441	12,154
Consumer Portfolio Segment | 0-30 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	8,810	10,053
Consumer Portfolio Segment | 31-60 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	1,089	1,303
Consumer Portfolio Segment | 61-90 days past due
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	542	798
Consumer Portfolio Segment | Unsecured Installment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	10,087	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	8,511	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	1,052	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	524	769
Consumer Portfolio Segment | Secured Installment
Loans and Leases Receivable Disclosure [Line Items]
Delinquent loans receivable guaranteed by the Company	354	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	299	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	37	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	$ 18	$ 29

LOANS RECEIVABLE AND REVENUE _6

LOANS RECEIVABLE AND REVENUE - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 94,322	$ 55,637	$ 73,997	$ 64,079
Charge-offs	(115,420)	(108,336)	(213,838)	(220,400)
Recoveries	38,719	47,568	82,129	97,894
Net charge-offs	(76,701)	(60,768)	(131,709)	(122,506)
Provision for losses	83,655	59,256	158,690	112,729
Effect of foreign currency translation	601	(127)	899	(304)
Balance, end of period	$ 101,877	$ 53,998	$ 101,877	$ 53,998
Allowance for Losses on Finance Receivables | Credit Concentration Risk
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Concentration risk, percentage	16.70%	12.80%	16.70%	12.80%
Consumer Portfolio Segment | Single-Pay
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 3,897	$ 3,514	$ 4,189	$ 5,204
Charge-offs	(35,759)	(41,242)	(72,280)	(85,578)
Recoveries	24,301	28,266	52,212	61,084
Net charge-offs	(11,458)	(12,976)	(20,068)	(24,494)
Provision for losses	12,446	13,101	20,714	22,993
Effect of foreign currency translation	56	(35)	106	(99)
Balance, end of period	$ 4,941	$ 3,604	$ 4,941	$ 3,604
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	6.50%	4.30%	6.50%	4.30%
Consumer Portfolio Segment | Unsecured Installment
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 33,666	$ 33,638	$ 37,716	$ 38,977
Charge-offs	(37,336)	(31,612)	(81,573)	(66,831)
Recoveries	5,366	5,085	11,684	10,303
Net charge-offs	(31,970)	(26,527)	(69,889)	(56,528)
Provision for losses	33,514	23,219	67,359	47,958
Effect of foreign currency translation	13	(39)	37	(116)
Balance, end of period	$ 35,223	$ 30,291	$ 35,223	$ 30,291
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	21.40%	18.90%	21.40%	18.90%
Consumer Portfolio Segment | Secured Installment
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 9,796	$ 11,639	$ 12,191	$ 13,472
Charge-offs	(10,295)	(11,082)	(22,966)	(22,567)
Recoveries	2,693	2,296	5,816	5,162
Net charge-offs	(7,602)	(8,786)	(17,150)	(17,405)
Provision for losses	7,802	7,533	14,955	14,319
Effect of foreign currency translation	0	0	0	0
Balance, end of period	$ 9,996	$ 10,386	$ 9,996	$ 10,386
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	11.70%	12.30%	11.70%	12.30%
Consumer Portfolio Segment | Open-End
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 46,963	$ 6,846	$ 19,901	$ 6,426
Charge-offs	(30,688)	(23,807)	(34,326)	(44,156)
Recoveries	5,537	11,883	10,696	21,260
Net charge-offs	(25,151)	(11,924)	(23,630)	(22,896)
Provision for losses	29,373	14,848	54,690	26,276
Effect of foreign currency translation	532	(53)	756	(89)
Balance, end of period	$ 51,717	$ 9,717	$ 51,717	$ 9,717
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	18.30%	10.70%	18.30%	10.70%
Consumer Portfolio Segment | Other
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance, beginning of period	$ 0	$ 0	$ 0	$ 0
Charge-offs	(1,342)	(593)	(2,693)	(1,268)
Recoveries	822	38	1,721	85
Net charge-offs	(520)	(555)	(972)	(1,183)
Provision for losses	520	555	972	1,183
Effect of foreign currency translation	0	0	0	0
Balance, end of period	$ 0	$ 0	$ 0	$ 0

LOANS RECEIVABLE AND REVENUE _7

LOANS RECEIVABLE AND REVENUE - CSO Guarantee Liability (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Guarantor Obligations [Roll Forward]
Balance, beginning of period	$ 8,661	$ 10,412	$ 12,007	$ 17,795
Charge-offs	(35,247)	(34,010)	(77,305)	(76,948)
Recoveries	7,735	8,126	19,097	20,271
Net charge-offs	(27,512)	(25,884)	(58,208)	(56,677)
Provision for losses	28,355	27,091	55,705	50,501
Balance, end of period	9,504	11,619	9,504	11,619
Consumer Portfolio Segment | Unsecured Installment
Guarantor Obligations [Roll Forward]
Balance, beginning of period	8,583	9,886	11,582	17,073
Charge-offs	(34,564)	(33,017)	(75,545)	(74,736)
Recoveries	7,078	7,350	17,638	18,326
Net charge-offs	(27,486)	(25,667)	(57,907)	(56,410)
Provision for losses	28,336	26,974	55,758	50,530
Balance, end of period	9,433	11,193	9,433	11,193
Consumer Portfolio Segment | Secured Installment
Guarantor Obligations [Roll Forward]
Balance, beginning of period	78	526	425	722
Charge-offs	(683)	(993)	(1,760)	(2,212)
Recoveries	657	776	1,459	1,945
Net charge-offs	(26)	(217)	(301)	(267)
Provision for losses	19	117	(53)	(29)
Balance, end of period	$ 71	$ 426	$ 71	$ 426

LOANS RECEIVABLE AND REVENUE _8

LOANS RECEIVABLE AND REVENUE - Allowance For Doubtful Accounts - CSO Guarantee Liability (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period	$ 102,983	$ 66,049	$ 86,004	$ 81,874
Charge-offs	(150,667)	(142,346)	(291,143)	(297,348)
Recoveries	46,454	55,694	101,226	118,165
Net charge-offs	(104,213)	(86,652)	(189,917)	(179,183)
Provision for losses	112,010	86,347	214,395	163,230
Effect of foreign currency translation	601	(127)	899	(304)
Balance, end of period	111,381	65,617	111,381	65,617
Consumer Portfolio Segment | Single-Pay
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period	3,897	3,514	4,189	5,204
Charge-offs	(35,759)	(41,242)	(72,280)	(85,578)
Recoveries	24,301	28,266	52,212	61,084
Net charge-offs	(11,458)	(12,976)	(20,068)	(24,494)
Provision for losses	12,446	13,101	20,714	22,993
Effect of foreign currency translation	56	(35)	106	(99)
Balance, end of period	4,941	3,604	4,941	3,604
Consumer Portfolio Segment | Unsecured Installment
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period	42,249	43,524	49,298	56,050
Charge-offs	(71,900)	(64,629)	(157,118)	(141,567)
Recoveries	12,444	12,435	29,322	28,629
Net charge-offs	(59,456)	(52,194)	(127,796)	(112,938)
Provision for losses	61,850	50,193	123,117	98,488
Effect of foreign currency translation	13	(39)	37	(116)
Balance, end of period	44,656	41,484	44,656	41,484
Consumer Portfolio Segment | Secured Installment
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period	9,874	12,165	12,616	14,194
Charge-offs	(10,978)	(12,075)	(24,726)	(24,779)
Recoveries	3,350	3,072	7,275	7,107
Net charge-offs	(7,628)	(9,003)	(17,451)	(17,672)
Provision for losses	7,821	7,650	14,902	14,290
Effect of foreign currency translation	0	0	0	0
Balance, end of period	10,067	10,812	10,067	10,812
Consumer Portfolio Segment | Open-End
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period	46,963	6,846	19,901	6,426
Charge-offs	(30,688)	(23,807)	(34,326)	(44,156)
Recoveries	5,537	11,883	10,696	21,260
Net charge-offs	(25,151)	(11,924)	(23,630)	(22,896)
Provision for losses	29,373	14,848	54,690	26,276
Effect of foreign currency translation	532	(53)	756	(89)
Balance, end of period	51,717	9,717	51,717	9,717
Consumer Portfolio Segment | Other
Financing Receivable, Allowance for Credit Losses And Guarantor Obligations [Roll Forward]
Balance, beginning of period	0	0	0	0
Charge-offs	(1,342)	(593)	(2,693)	(1,268)
Recoveries	822	38	1,721	85
Net charge-offs	(520)	(555)	(972)	(1,183)
Provision for losses	520	555	972	1,183
Effect of foreign currency translation	0	0	0	0
Balance, end of period	$ 0	$ 0	$ 0	$ 0

CREDIT SERVICES ORGANIZATION (D

CREDIT SERVICES ORGANIZATION (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable Disclosure [Line Items]
Credit services organization, fees receivable	$ 12,000		$ 14,300
Guarantor obligations, maximum exposure, undiscounted	56,000		66,900
Liability for losses on CSO lender-owned consumer loans	9,504	$ 8,661	12,007	$ 11,619	$ 10,412	$ 17,795
Amounts placed in collateral accounts	$ 5,800		$ 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	Jun. 30, 2019	Dec. 31, 2018	Aug. 31, 2018	Aug. 02, 2018
Debt Instrument [Line Items]
Long-term debt	$ 768,512	$ 804,140
Senior Notes | 8.25% Senior Secured Notes (due 2025)
Debt Instrument [Line Items]
Long-term debt	$ 677,535	$ 676,661
Stated interest rate (as percent)	8.25%	8.25%	8.25%
Line of Credit | Revolving Credit Facility | Non-Recourse Canada SPV Facility
Debt Instrument [Line Items]
Long-term debt	$ 90,977	$ 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	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 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	$ 0	$ 0	$ 11,683,000
Long-term debt			$ 768,512,000		$ 768,512,000		$ 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 instrument, face amount								$ 690,000,000
Debt issuance costs capitalized								$ 12,800,000
Debt instrument, term	5 years
Loss on extinguishment of debt							$ 69,200,000
Long-term debt			$ 677,535,000		$ 677,535,000		$ 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 instrument, face amount									$ 135,000,000	$ 470,000,000
Debt issuance costs capitalized									$ 18,300,000
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 ($)	Apr. 30, 2019	Aug. 31, 2018CAD ($)	Jun. 30, 2019USD ($)	Dec. 31, 2018USD ($)
Line of Credit Facility [Line Items]
Long-term debt				$ 768,512	$ 804,140
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%
Debt instrument, extended term		1 year
Long-term debt				90,977	$ 107,479
Deferred financing costs				$ 3,600

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	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018	Aug. 31, 2018
Debt Instrument [Line Items]
Loss on extinguishment of debt						$ 0	$ 0	$ 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 ($)	Nov. 30, 2016	Jun. 30, 2019lender	Dec. 31, 2018	Aug. 31, 2018	Feb. 28, 2018USD ($)	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%
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 - CAD ($)	6 Months Ended
	Jun. 30, 2019	Jun. 29, 2019
Revolving Credit Facility
Debt Instrument [Line Items]
Line of credit facility, maximum borrowing capacity	$ 9,700,000	$ 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)	Jun. 30, 2019
Subordinated Debt | Subordinated Shareholder Debt
Debt Instrument [Line Items]
Stated interest rate (as percent)	10.00%

SHARE-BASED COMPENSATION - Addi

SHARE-BASED COMPENSATION - Additional Information (Details) - USD ($) $ in Millions	1 Months Ended	3 Months Ended		6 Months Ended
	Mar. 31, 2019	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation expense		$ 2.6	$ 2.2	$ 4.8	$ 4
Unrecognized compensation costs		$ 18.5		$ 18.5
Compensation cost not yet recognized, period for recognition				2 years
2017 Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)		5,000,000		5,000,000
Time-Based
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period				3 years
Unrecognized compensation costs		$ 15.4		$ 15.4
Market-Based
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	3 years
Performance period of stockholder return	3 years
Unrecognized compensation costs		$ 3.1		$ 3.1

SHARE-BASED COMPENSATION - Summ

SHARE-BASED COMPENSATION - Summary of RSUs and PSUs (Details)	6 Months Ended
	Jun. 30, 2019$ / sharesshares
Time-Based
Number of Shares
Outstanding, beginning of period (in shares)	1,060,350
Granted (in shares)	579,540
Vested (in shares)	(83,481)
Forfeited (in shares)	(68,778)
Outstanding, end of period (in shares)	1,487,631
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	10.07
Weighted average grant date fair value, vested (USD per share) | $ / shares	15.59
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	$ 12.06
Market-Based
Number of Shares
Outstanding, beginning of period (in shares)	0
Granted (in shares)	394,755
Vested (in shares)	0
Forfeited (in shares)	0
Outstanding, end of period (in shares)	394,755
Weighted Average Grant Date Fair Value per Share
Weighted average grant date fair value, granted (USD per share) | $ / shares	$ 10.07
Weighted average grant date fair value, end of period (USD per share) | $ / shares	$ 12.06

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($) $ in Millions	3 Months Ended			6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Mar. 31, 2018	Jun. 30, 2019	Jun. 30, 2018
Income Tax Contingency [Line Items]
Effective income tax rate (as percent)				27.40%	27.60%
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)	$ 0.5	$ 0.6
Undistributed foreign earnings	$ 159.3			$ 159.3
Canada Revenue Agency | Pro forma
Income Tax Contingency [Line Items]
Expected tax if earnings were distributed to the U.S.				$ 8

FINANCIAL INSTRUMENTS - Summary

FINANCIAL INSTRUMENTS - Summary of Assets and Liabilities Not Measured at Fair Value (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018	Aug. 31, 2018
Financial assets:
Restricted cash	$ 33,712	$ 25,439
Carrying Value
Financial assets:
Cash	92,297	61,175
Restricted cash	33,712	25,439
Loans receivable, net	507,716	497,534
Investment in Cognical	7,178	6,558
Financial liabilities:
Liability for losses on CSO lender-owned consumer loans	9,504	12,007
Carrying Value | 8.25% Senior Secured Notes (due 2025)
Financial liabilities:
Debt	677,535	676,661
Carrying Value | Non-Recourse Canada SPV Facility
Financial liabilities:
Debt	90,977	107,479
Carrying Value | Senior Revolver
Financial liabilities:
Debt		20,000
Estimated Fair Value
Financial assets:
Cash	92,297	61,175
Restricted cash	33,712	25,439
Loans receivable, net	507,716	497,534
Investment in Cognical	7,178	6,558
Financial liabilities:
Liability for losses on CSO lender-owned consumer loans	9,504	12,007
Estimated Fair Value | 8.25% Senior Secured Notes (due 2025)
Financial liabilities:
Debt	574,211	531,179
Estimated Fair Value | Non-Recourse Canada SPV Facility
Financial liabilities:
Debt	94,565	111,335
Estimated Fair Value | Senior Revolver
Financial liabilities:
Debt		20,000
Estimated Fair Value | Level 1
Financial assets:
Cash	92,297	61,175
Restricted cash	33,712	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	507,716	497,534
Investment in Cognical	7,178	6,558
Financial liabilities:
Liability for losses on CSO lender-owned consumer loans	9,504	12,007
Estimated Fair Value | Level 3 | 8.25% Senior Secured Notes (due 2025)
Financial liabilities:
Debt	574,211	531,179
Estimated Fair Value | Level 3 | Non-Recourse Canada SPV Facility
Financial liabilities:
Debt	$ 94,565	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%

FINANCIAL INSTRUMENTS - Narrati

FINANCIAL INSTRUMENTS - Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Jun. 30, 2019	Dec. 31, 2018	Aug. 31, 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%
Cognical Holdings, Inc. (Zibby)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impairment recognized	$ 3.7
Ownership percentage	30.00%

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				6 Months Ended
	Jun. 30, 2019	Mar. 31, 2019	Jun. 30, 2018	Mar. 31, 2018	Jun. 30, 2019	Jun. 30, 2018
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance, beginning period	$ 36,744	$ (19,101)	$ 42,550	$ 7,136	$ (19,101)	$ 7,136
Net income from continuing operations	17,667	28,673	18,718	24,913	46,340	43,631
Net (loss) income from discontinued operations, net of tax	(834)	8,375	(2,743)	(1,621)	7,541	(4,364)
Foreign currency translation adjustment	3,635	16,695	(6,752)	(2,910)	$ 20,330	(9,663)
Foreign currency translation adjustment			(6,754)
Cash flow hedge expiration			(439)	54		(385)
Share based compensation expense	2,644	2,172	1,478	1,842
Initial Public Offering, Net Proceeds (underwriter shares)				13,136
Proceeds from exercise of stock options	29	40	39
Purchase of shares under the stock repurchase program (in shares)					(244,200)
Purchase of shares under the stock repurchase program	(2,507)				$ (2,507)
Common stock issued for RSU's vesting, net of shares withheld and withholding paid for employee taxes	0	(110)	0
Balance, ending period	$ 57,378	$ 36,744	$ 52,849	$ 42,550	$ 57,378	$ 52,849
Common Stock
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance, beginning period (in shares)	46,431,289	46,412,231	45,561,419	44,561,419	46,412,231	44,561,419
Balance, beginning period	$ 9	$ 9	$ 9	$ 8	$ 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)	4,908	7,888	209,132
Purchase of shares under the stock repurchase program (in shares)	(244,200)
Common stock issued for RSU's vesting, net of shares withheld and withholding paid for employee taxes (in shares)	63,285	11,170	49,994
Balance, ending period (in shares)	46,255,282	46,431,289	45,820,545	45,561,419	46,255,282	45,820,545
Balance, ending period	$ 9	$ 9	$ 9	$ 9	$ 9	$ 9
Paid-in capital
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance, beginning period	62,117	60,015	61,056	46,079	60,015	46,079
Share based compensation expense	2,644	2,172	1,478	1,842
Initial Public Offering, Net Proceeds (underwriter shares)				13,135
Proceeds from exercise of stock options	29	40	39
Common stock issued for RSU's vesting, net of shares withheld and withholding paid for employee taxes		(110)
Balance, ending period	64,790	62,117	62,573	61,056	64,790	62,573
Treasury Stock
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance, beginning period	0	0			0
Purchase of shares under the stock repurchase program	(2,507)
Balance, ending period	(2,507)	0			(2,507)
Retained Earnings (Deficit)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance, beginning period	18,983	(18,065)	27,280	3,988	(18,065)	3,988
Net income from continuing operations	17,667	28,673	18,718	24,913
Net (loss) income from discontinued operations, net of tax	(834)	8,375	(2,743)	(1,621)
Balance, ending period	35,816	18,983	43,255	27,280	35,816	43,255
AOCI
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance, beginning period	(44,365)	(61,060)	(45,795)	(42,939)	(61,060)	(42,939)
Foreign currency translation adjustment	3,635	16,695		(2,910)
Foreign currency translation adjustment			(6,754)
Cash flow hedge expiration			(439)	54
Balance, ending period	$ (40,730)	$ (44,365)	$ (52,988)	$ (45,795)	$ (40,730)	$ (52,988)

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				6 Months Ended
	Jun. 30, 2019	Mar. 31, 2019	Jun. 30, 2018	Mar. 31, 2018	Jun. 30, 2019	Jun. 30, 2018
Earnings Per Share [Abstract]
Net income from continuing operations	$ 17,667	$ 28,673	$ 18,718	$ 24,913	$ 46,340	$ 43,631
Net (loss) income from discontinued operations, net of tax	(834)	$ 8,375	(2,743)	$ (1,621)	7,541	(4,364)
Net income	$ 16,833		$ 15,975		$ 53,881	$ 39,267
Weight average common shares - basic (in shares)	46,451		45,650		46,438	45,578
Dilutive effect of stock options and restricted stock units (in shares)	656		2,346		897	2,179
Weighted average common shares - diluted (in shares)	47,107		47,996		47,335	47,757
Basic income (loss) per share:
Continuing operations (in dollars per share)	$ 0.38		$ 0.41		$ 1	$ 0.96
Discontinued operations (in dollars per share)	(0.02)		(0.06)		0.16	(0.10)
Basic earnings per share (in dollars per share)	0.36		0.35		1.16	0.86
Diluted income (loss) per share:
Continuing operations (in dollars per share)	0.38		0.39		0.98	0.92
Discontinued operations (in dollars per share)	(0.02)		(0.06)		0.16	(0.10)
Diluted earnings per share (in dollars per share)	$ 0.36		$ 0.33		$ 1.14	$ 0.82

EARNINGS PER SHARE - Narrative

EARNINGS PER SHARE - Narrative (Details) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earnings per share (in shares)	1,300,000	0	1,200,000	0

SUPPLEMENTAL CASH FLOW INFORM_3

SUPPLEMENTAL CASH FLOW INFORMATION (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Cash paid for:
Interest	$ 34,678	$ 44,250
Income taxes	4,231	11,621
Non-cash investing activities:
Property and equipment accrued in accounts payable	$ 105	$ 595

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		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018
Segment Reporting Information [Line Items]
Consolidated revenue	$ 264,300	$ 237,169	$ 542,239	$ 488,012
Consolidated gross margin	81,181	77,348	186,678	183,194
Consolidated operating profit	25,120	23,896	63,839	60,276
Consolidated expenditures for long-lived assets	3,045	1,415	6,164	2,957
Total gross loans receivable	609,593		609,593		$ 571,531
U.S.
Segment Reporting Information [Line Items]
Consolidated revenue	210,046	190,126	436,165	394,719
Consolidated gross margin	65,067	64,048	154,870	155,392
Consolidated operating profit	17,029	15,362	48,224	42,194
Consolidated expenditures for long-lived assets	2,568	1,195	4,998	1,983
Total gross loans receivable	340,968		340,968		361,473
Canada
Segment Reporting Information [Line Items]
Consolidated revenue	54,254	47,043	106,074	93,293
Consolidated gross margin	16,114	13,300	31,808	27,802
Consolidated operating profit	8,091	8,534	15,615	18,082
Consolidated expenditures for long-lived assets	477	$ 220	1,166	$ 974
Total gross loans receivable	$ 268,625		$ 268,625		$ 210,058

SEGMENT REPORTING - Summary o_2

SEGMENT REPORTING - Summary of Long-lived Assets by Geographical Region (Details) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Revenues from External Customers and Long-Lived Assets [Line Items]
Total net long-lived assets	$ 72,993	$ 76,750
U.S.
Revenues from External Customers and Long-Lived Assets [Line Items]
Total net long-lived assets	44,209	47,918
Canada
Revenues from External Customers and Long-Lived Assets [Line Items]
Total net long-lived assets	$ 28,784	$ 28,832

LEASES - Narrative (Details)

LEASES - Narrative (Details) $ in Millions	3 Months Ended
	Jun. 30, 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	$ 17
Operating lease payments	$ 17.4
Weighted average remaining lease term	6 years 3 months 6 days
Weighted average operating discount rate	10.30%
Third-Party
Operating lease cost	$ 15.3
Related-Party
Operating lease cost	$ 1.7

LEASES - Schedule of Future Min

LEASES - Schedule of Future Minimum Lease Payments (Details) $ in Thousands	Jun. 30, 2019USD ($)
2019	$ 17,357
2020	34,487
2021	34,196
2022	33,262
2023	28,896
Thereafter	55,160
Total	203,358
Less: Imputed interest	(54,515)
Operating lease liabilities	148,843
Third-Party
2019	15,517
2020	30,735
2021	30,344
2022	29,353
2023	25,280
Thereafter	44,277
Total	175,506
Less: Imputed interest	(45,852)
Operating lease liabilities	129,654
Related-Party
2019	1,840
2020	3,752
2021	3,852
2022	3,909
2023	3,616
Thereafter	10,883
Total	27,852
Less: Imputed interest	(8,663)
Operating lease liabilities	$ 19,189

DISCONTINUED OPERATIONS - Narra

DISCONTINUED OPERATIONS - Narrative (Details) - U.K. Segment - Discontinued Operations, Disposed of by Means Other than Sale - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Loss on disposition	$ 0	$ 0	$ 39,414	$ 0
Income tax expense (benefit) related to disposition	$ 834	$ 139	$ (46,589)	$ 139

DISCONTINUED OPERATIONS - Sched

DISCONTINUED OPERATIONS - Schedules of Discontinued Operations (Details) - USD ($) $ in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2019	Mar. 31, 2019	Jun. 30, 2018	Mar. 31, 2018	Jun. 30, 2019	Jun. 30, 2018	Dec. 31, 2018
Income Statement Disclosures
Net income (loss) from discontinued operations	$ (834)	$ 8,375	$ (2,743)	$ (1,621)	$ 7,541	$ (4,364)
ASSETS
Total assets classified as discontinued operations in the Condensed Consolidated Balance Sheets	0				0		$ 34,861
LIABILITIES
Total liabilities classified as discontinued operations in the Condensed Consolidated Balance Sheets	0				0		8,882
Cash Flow Disclosures
Net cash (used in) provided by discontinued operating activities					(504)	5,458
Net cash used in discontinued investing activities					(14,213)	(14,349)
U.K. Segment | Discontinued Operations, Disposed of by Means Other than Sale
Income Statement Disclosures
Revenue	0		11,814		6,957	22,729
Provision for losses	0		5,639		1,703	9,787
Net revenue	0		6,175		5,254	12,942
Office	0		545		246	1,073
Other costs of providing services	0		125		61	1,094
Advertising	0		2,441		775	4,312
Cost of providing services	0		3,111		1,082	6,479
Gross margin	0		3,064		4,172	6,463
Corporate, district and other expenses	0		5,675		3,810	10,700
Interest income	0		(7)		(4)	(12)
Loss on disposition	0		0		39,414	0
Total operating expense	0		5,668		43,220	10,688
Pre-tax (loss) income from operations of discontinued operations	0		(2,604)		(39,048)	(4,225)
Income tax expense (benefit) related to disposition	834		139		(46,589)	139
Net income (loss) from discontinued operations	(834)		$ (2,743)		7,541	(4,364)
ASSETS
Cash	0				0		9,859
Restricted cash	0				0		3,384
Gross loans receivable	0				0		25,256
Less: allowance for loan losses	0				0		(5,387)
Loans receivable, net	0				0		19,869
Prepaid expenses and other	0				0		1,482
Other	0				0		267
Total assets classified as discontinued operations in the Condensed Consolidated Balance Sheets	0				0		34,861
LIABILITIES
Accounts payable and accrued liabilities	0				0		8,136
Deferred revenue	0				0		180
Accrued interest	0				0		(5)
Deferred rent	0				0		149
Other long-term liabilities	0				0		422
Total liabilities classified as discontinued operations in the Condensed Consolidated Balance Sheets	$ 0				0		$ 8,882
Cash Flow Disclosures
Net cash (used in) provided by discontinued operating activities					(504)	5,458
Net cash used in discontinued investing activities					(14,213)	(14,349)
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, 2018USD ($)	Mar. 31, 2018USD ($)	Nov. 30, 2017USD ($)	Jun. 30, 2019USD ($)	Dec. 31, 2018USD ($)	Aug. 31, 2018CAD ($)	Feb. 28, 2017USD ($)
Debt Instrument [Line Items]
Long-term debt							$ 768,512,000	$ 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]
Debt instrument, face amount						$ 135,000,000				$ 470,000,000
Stated interest rate (as percent)						12.00%		12.00%
Notice of redemption, amount			$ 77,500,000
Redemption price, percentage (as percent)			112.00%
Long-term debt			$ 527,500,000
8.25% Senior Secured Notes | Senior Notes
Debt Instrument [Line Items]
Debt instrument, face amount				$ 690,000,000
Stated interest rate (as percent)				8.25%			8.25%	8.25%	8.25%
Debt instrument, term	5 years
Long-term debt							$ 677,535,000	$ 676,661,000
Non-Recourse Canada SPV Facility | Revolving Credit Facility | Line of Credit
Debt Instrument [Line Items]
Stated interest rate (as percent)		6.75%
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
Long-term debt							$ 90,977,000	$ 107,479,000
CFTC | 12% Senior Secured Notes
Debt Instrument [Line Items]
Stated interest rate (as percent)										12.00%
Line of credit facility, maximum borrowing capacity										$ 470,000,000
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	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017
Assets:
Cash	$ 92,297		$ 61,175
Restricted cash	33,712		25,439
Loans receivable, net	507,716		497,534
Right of use asset - operating leases	140,982
Deferred income taxes	2,637		1,534
Income taxes receivable	37,579		16,741
Prepaid expenses and other	30,241		43,588
Property and equipment, net	72,993		76,750
Goodwill	120,450		119,281
Other intangibles, net	30,657		29,784
Intercompany receivable	0		0
Investment in subsidiaries	0		0
Other	16,091		12,930
Assets from discontinued operations	0		34,861
Total Assets	1,085,355		919,617
Liabilities and Stockholders' equity:
Accounts payable and accrued liabilities	59,274		49,146
Deferred revenue	8,712		9,483
Lease liability - operating leases	148,843
Income taxes payable	0		1,579
Accrued interest	19,690		20,904
Payable to CURO Holdings Corp.	0		0
CSO liability for losses	9,504	$ 8,661	12,007	$ 11,619	$ 10,412	$ 17,795
Deferred rent	0		10,851
Long-term debt	768,512		804,140
Subordinated stockholder debt	0		2,196
Intercompany payable	0		0
Other long-term liabilities	8,594		5,800
Deferred tax liabilities	4,848		13,730
Liabilities from discontinued operations	0		8,882
Total Liabilities	1,027,977		938,718
Stockholder’s equity	57,378	$ 36,744	(19,101)	$ 52,849	$ 42,550	$ 7,136
Total Liabilities and Stockholders' Equity	1,085,355		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	(107,251)		(77,009)
Investment in subsidiaries	1,515		101,665
Other	0		0
Assets from discontinued operations			32,455
Total Assets	(105,736)		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	0		0
Subordinated stockholder debt			0
Intercompany payable	(107,251)		(44,554)
Other long-term liabilities	0		0
Deferred tax liabilities	0		0
Liabilities from discontinued operations			0
Total Liabilities	(107,251)		(44,554)
Stockholder’s equity	1,515		101,665
Total Liabilities and Stockholders' Equity	(105,736)		57,111
Subsidiary Guarantors | Reportable Legal Entities
Assets:
Cash	68,354		42,403
Restricted cash	16,198		9,993
Loans receivable, net	269,298		304,542
Right of use asset - operating leases	79,000
Deferred income taxes	(7,848)		0
Income taxes receivable	(470)		7,190
Prepaid expenses and other	23,038		37,866
Property and equipment, net	44,209		47,918
Goodwill	91,131		91,131
Other intangibles, net	8,420		8,418
Intercompany receivable	107,251		77,009
Investment in subsidiaries	0		0
Other	15,401		12,253
Assets from discontinued operations			0
Total Assets	713,982		638,723
Liabilities and Stockholders' equity:
Accounts payable and accrued liabilities	44,667		38,240
Deferred revenue	5,237		5,981
Lease liability - operating leases	86,685
Income taxes payable	(18,731)		0
Accrued interest	2		149
Payable to CURO Holdings Corp.	736,920		768,345
CSO liability for losses	9,504		12,007
Deferred rent			9,559
Long-term debt	0		20,000
Subordinated stockholder debt			0
Intercompany payable	0		0
Other long-term liabilities	7,999		4,967
Deferred tax liabilities	(4,171)		15,175
Liabilities from discontinued operations			0
Total Liabilities	868,112		874,423
Stockholder’s equity	(154,130)		(235,700)
Total Liabilities and Stockholders' Equity	713,982		638,723
Subsidiary Non-Guarantors | Reportable Legal Entities
Assets:
Cash	23,943		18,772
Restricted cash	2,695		2,606
Loans receivable, net	48,297		56,805
Right of use asset - operating leases	61,982
Deferred income taxes	0		1,534
Income taxes receivable	6,395		0
Prepaid expenses and other	7,203		5,722
Property and equipment, net	28,784		28,832
Goodwill	29,319		28,150
Other intangibles, net	22,237		21,366
Intercompany receivable	0		0
Investment in subsidiaries	0		0
Other	690		677
Assets from discontinued operations			2,406
Total Assets	231,545		166,870
Liabilities and Stockholders' equity:
Accounts payable and accrued liabilities	(1,166)		5,734
Deferred revenue	3,430		3,462
Lease liability - operating leases	62,158
Income taxes payable	0		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	0		0
Subordinated stockholder debt			2,196
Intercompany payable	20,002		224
Other long-term liabilities	595		833
Deferred tax liabilities	4,848		0
Liabilities from discontinued operations			8,882
Total Liabilities	89,867		24,202
Stockholder’s equity	141,678		142,668
Total Liabilities and Stockholders' Equity	231,545		166,870
Canada SPV | Reportable Legal Entities
Assets:
Cash	0		0
Restricted cash	14,819		12,840
Loans receivable, net	190,121		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	204,940		149,027
Liabilities and Stockholders' equity:
Accounts payable and accrued liabilities	15,020		4,980
Deferred revenue	45		40
Lease liability - operating leases	0
Income taxes payable	0		0
Accrued interest	713		831
Payable to CURO Holdings Corp.	0		0
CSO liability for losses	0		0
Deferred rent			0
Long-term debt	90,976		107,479
Subordinated stockholder debt			0
Intercompany payable	87,249		44,330
Other long-term liabilities	0		0
Deferred tax liabilities	0		0
Liabilities from discontinued operations			0
Total Liabilities	194,003		157,660
Stockholder’s equity	10,937		(8,633)
Total Liabilities and Stockholders' Equity	204,940		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	10,485		0
Income taxes receivable	31,654		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	(1,515)		(101,665)
Other	0		0
Assets from discontinued operations			0
Total Assets	40,624		(92,114)
Liabilities and Stockholders' equity:
Accounts payable and accrued liabilities	753		192
Deferred revenue	0		0
Lease liability - operating leases	0
Income taxes payable	18,731		0
Accrued interest	18,975		19,924
Payable to CURO Holdings Corp.	(736,920)		(768,345)
CSO liability for losses	0		0
Deferred rent			0
Long-term debt	677,536		676,661
Subordinated stockholder debt			0
Intercompany payable	0		0
Other long-term liabilities	0		0
Deferred tax liabilities	4,171		(1,445)
Liabilities from discontinued operations			0
Total Liabilities	(16,754)		(73,013)
Stockholder’s equity	57,378		(19,101)
Total Liabilities and Stockholders' Equity	$ 40,624		$ (92,114)

CONDENSED CONSOLIDATING FINAN_5

CONDENSED CONSOLIDATING FINANCIAL INFORMATION - Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2019	Mar. 31, 2019	Jun. 30, 2018	Mar. 31, 2018	Jun. 30, 2019	Jun. 30, 2018
Condensed Income Statements, Captions [Line Items]
Revenue	$ 264,300		$ 237,169		$ 542,239	$ 488,012
Provision for losses	112,010		86,347		214,395	163,230
Net revenue	152,290		150,822		327,844	324,782
Cost of providing services
Salaries and benefits	26,086		26,908		54,787	53,826
Occupancy	13,932		13,320		28,169	26,747
Office	5,457		5,532		10,570	11,985
Other store operating expenses	12,854		12,601		27,074	26,032
Advertising	12,780		15,113		20,566	22,998
Total cost of providing services	71,109		73,474		141,166	141,588
Gross margin	81,181		77,348		186,678	183,194
Operating (income) expense:
Corporate, district and other expenses	39,038		32,980		88,126	68,409
Intercompany management fee	0		0		0	0
Interest expense	17,023		20,472		34,713	42,826
Intercompany interest (income) expense	0		0		0	0
Loss on extinguishment of debt	0		0		0	11,683
Total operating expense	56,061		53,452		122,839	122,918
Income from continuing operations before income taxes	25,120		23,896		63,839	60,276
Provision for income taxes	7,453		5,178		17,499	16,645
Net income from continuing operations	17,667	$ 28,673	18,718	$ 24,913	46,340	43,631
Net (loss) income from discontinued operations, net of tax	(834)	$ 8,375	(2,743)	$ (1,621)	7,541	(4,364)
Net income	16,833		15,975		53,881	39,267
Equity in net income (loss) of subsidiaries	16,833		15,975		53,881	39,267
CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0		0		0	0
CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0		0		0	0
Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0		0		0	0
SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0		0		0	0
Subsidiaries
Condensed Income Statements, Captions [Line Items]
Revenue			237,169			488,012
Provision for losses			86,347			163,230
Net revenue			150,822			324,782
Cost of providing services
Salaries and benefits			26,908			53,826
Occupancy			13,320			26,747
Office			5,532			11,985
Other store operating expenses			12,601			26,032
Advertising			15,113			22,998
Total cost of providing services			73,474			141,588
Gross margin			77,348			183,194
Operating (income) expense:
Corporate, district and other expenses			30,664			64,038
Intercompany management fee			0			0
Interest expense			20,472			42,826
Intercompany interest (income) expense			0			0
Loss on extinguishment of debt			0			11,683
Total operating expense			51,136			118,547
Income from continuing operations before income taxes			26,212			64,647
Provision for income taxes			5,754			17,754
Net income from continuing operations			20,458			46,893
Net (loss) income from discontinued operations, net of tax			(2,743)			(4,364)
Net income			17,715			42,529
Equity in net income (loss) of subsidiaries			17,715			42,529
Subsidiaries | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Subsidiaries | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Subsidiaries | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Subsidiaries | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Subsidiaries | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
CURO
Condensed Income Statements, Captions [Line Items]
Revenue	0		0		0	0
Provision for losses	0		0		0	0
Net revenue	0		0		0	0
Cost of providing services
Salaries and benefits	0		0		0	0
Occupancy	0		0		0	0
Office	0		0		0	0
Other store operating expenses	0		0		0	0
Advertising	0		0		0	0
Total cost of providing services	0		0		0	0
Gross margin	0		0		0	0
Operating (income) expense:
Corporate, district and other expenses	2,631		2,316		4,973	4,371
Intercompany management fee	0		0		0	0
Interest expense	14,614		0		29,052	0
Intercompany interest (income) expense	0		0		0	0
Loss on extinguishment of debt			0			0
Total operating expense	17,245		2,316		34,025	4,371
Income from continuing operations before income taxes	(17,245)		(2,316)		(34,025)	(4,371)
Provision for income taxes	(3,232)		(576)		(8,240)	(1,109)
Net income from continuing operations	(14,013)		(1,740)		(25,785)	(3,262)
Net (loss) income from discontinued operations, net of tax	0		0		0	0
Net income	(14,013)		(1,740)		(25,785)	(3,262)
Equity in net income (loss) of subsidiaries	16,833		18,718		53,881	39,267
CURO | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries	30,846		20,458		79,666	42,529
CURO | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
CURO | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0		0		0	0
CURO | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0		0		0	0
CURO | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0		0		0	0
Reportable Legal Entities | Subsidiary Guarantors
Condensed Income Statements, Captions [Line Items]
Revenue	210,046		118,034		436,165	246,442
Provision for losses	92,552		46,320		177,532	82,089
Net revenue	117,494		71,714		258,633	164,353
Cost of providing services
Salaries and benefits	17,422		18,070		37,373	36,089
Occupancy	8,033		7,643		16,043	15,289
Office	4,004		4,247		7,893	9,830
Other store operating expenses	11,789		11,254		24,921	23,284
Advertising	11,179		12,409		17,533	17,568
Total cost of providing services	52,427		53,623		103,763	102,060
Gross margin	65,067		18,091		154,870	62,293
Operating (income) expense:
Corporate, district and other expenses	30,766		25,383		72,304	53,375
Intercompany management fee	(3,237)		(6,920)		(6,300)	(13,822)
Interest expense	27		(60)		317	(172)
Intercompany interest (income) expense	(1,513)		(180)		(2,393)	(259)
Loss on extinguishment of debt			0			0
Total operating expense	26,043		18,223		63,928	39,122
Income from continuing operations before income taxes	39,024		(132)		90,942	23,171
Provision for income taxes	9,591		(4,458)		23,610	(6,043)
Net income from continuing operations	29,433		4,326		67,332	29,214
Net (loss) income from discontinued operations, net of tax	0		0		0	0
Net income	29,433		4,326		67,332	29,214
Equity in net income (loss) of subsidiaries	60,279		4,326		146,998	29,214
Reportable Legal Entities | Subsidiary Guarantors | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0		0		0	0
Reportable Legal Entities | Subsidiary Guarantors | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Reportable Legal Entities | Subsidiary Guarantors | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	29,433		0		67,332	0
Reportable Legal Entities | Subsidiary Guarantors | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	(9,340)		0		(7,235)	0
Reportable Legal Entities | Subsidiary Guarantors | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries	10,753		0		19,569	0
Reportable Legal Entities | Subsidiary Non-Guarantors
Condensed Income Statements, Captions [Line Items]
Revenue	28,162		47,043		54,936	93,293
Provision for losses	6,344		14,360		10,443	26,910
Net revenue	21,818		32,683		44,493	66,383
Cost of providing services
Salaries and benefits	8,664		8,838		17,414	17,737
Occupancy	5,899		5,677		12,126	11,458
Office	1,453		1,285		2,677	2,155
Other store operating expenses	1,065		881		2,153	1,801
Advertising	1,601		2,704		3,033	5,430
Total cost of providing services	18,682		19,385		37,403	38,581
Gross margin	3,136		13,298		7,090	27,802
Operating (income) expense:
Corporate, district and other expenses	6,422		4,759		11,604	9,656
Intercompany management fee	3,229		3,281		6,284	6,775
Interest expense	7		7		79	64
Intercompany interest (income) expense	890		1,084		1,770	2,043
Loss on extinguishment of debt			0			0
Total operating expense	10,548		9,131		19,737	18,538
Income from continuing operations before income taxes	(7,412)		4,167		(12,647)	9,264
Provision for income taxes	1,094		1,962		2,129	3,891
Net income from continuing operations	(8,506)		2,205		(14,776)	5,373
Net (loss) income from discontinued operations, net of tax	(834)		(2,743)		7,541	(4,364)
Net income	(9,340)		(538)		(7,235)	1,009
Equity in net income (loss) of subsidiaries	(9,340)		(538)		(7,235)	1,009
Reportable Legal Entities | Subsidiary Non-Guarantors | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0		0		0	0
Reportable Legal Entities | Subsidiary Non-Guarantors | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Reportable Legal Entities | Subsidiary Non-Guarantors | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0		0		0	0
Reportable Legal Entities | Subsidiary Non-Guarantors | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0		0		0	0
Reportable Legal Entities | Subsidiary Non-Guarantors | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0		0		0	0
Reportable Legal Entities | Canada SPV
Condensed Income Statements, Captions [Line Items]
Revenue	26,092				51,138
Provision for losses	13,114				26,420
Net revenue	12,978				24,718
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	12,978				24,718
Operating (income) expense:
Corporate, district and other expenses	(781)				(755)
Intercompany management fee	8				16
Interest expense	2,375				5,265
Intercompany interest (income) expense	623				623
Total operating expense	2,225				5,149
Income from continuing operations before income taxes	10,753				19,569
Provision for income taxes	0				0
Net income from continuing operations	10,753				19,569
Net (loss) income from discontinued operations, net of tax	0				0
Net income	10,753				19,569
Equity in net income (loss) of subsidiaries	10,753				19,569
Reportable Legal Entities | Canada SPV | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0				0
Reportable Legal Entities | Canada SPV | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0				0
Reportable Legal Entities | Canada SPV | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0				0
Reportable Legal Entities | Canada SPV | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries	0				0
Reportable Legal Entities | SPV Subs
Condensed Income Statements, Captions [Line Items]
Revenue			72,092			148,277
Provision for losses			25,667			54,231
Net revenue			46,425			94,046
Cost of providing services
Salaries and benefits			0			0
Occupancy			0			0
Office			0			0
Other store operating expenses			466			947
Advertising			0			0
Total cost of providing services			466			947
Gross margin			45,959			93,099
Operating (income) expense:
Corporate, district and other expenses			46			76
Intercompany management fee			3,639			7,047
Interest expense			3,940			8,027
Intercompany interest (income) expense			0			0
Loss on extinguishment of debt			0			0
Total operating expense			7,625			15,150
Income from continuing operations before income taxes			38,334			77,949
Provision for income taxes			0			0
Net income from continuing operations			38,334			77,949
Net (loss) income from discontinued operations, net of tax			0			0
Net income			38,334			77,949
Equity in net income (loss) of subsidiaries			38,334			77,949
Reportable Legal Entities | SPV Subs | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Reportable Legal Entities | SPV Subs | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Reportable Legal Entities | SPV Subs | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Reportable Legal Entities | SPV Subs | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Reportable Legal Entities | SPV Subs | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Eliminations
Condensed Income Statements, Captions [Line Items]
Revenue	0		0		0	0
Provision for losses	0		0		0	0
Net revenue	0		0		0	0
Cost of providing services
Salaries and benefits	0		0		0	0
Occupancy	0		0		0	0
Office	0		0		0	0
Other store operating expenses	0		0		0	0
Advertising	0		0		0	0
Total cost of providing services	0		0		0	0
Gross margin	0		0		0	0
Operating (income) expense:
Corporate, district and other expenses	0		0		0	0
Intercompany management fee	0		0		0	0
Interest expense	0		0		0	0
Intercompany interest (income) expense	0		0		0	0
Loss on extinguishment of debt			0			0
Total operating expense	0		0		0	0
Income from continuing operations before income taxes	0		0		0	0
Provision for income taxes	0		0		0	0
Net income from continuing operations	0		0		0	0
Net (loss) income from discontinued operations, net of tax	0		0		0	0
Net income	0		0		0	0
Equity in net income (loss) of subsidiaries	(61,692)		(20,458)		(159,332)	(42,529)
Eliminations | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries	(30,846)		(20,458)		(79,666)	(42,529)
Eliminations | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Eliminations | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	(29,433)		0		(67,332)	0
Eliminations | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries	9,340		0		7,235	0
Eliminations | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries	$ (10,753)		0		$ (19,569)	0
Eliminations | Subsidiaries
Condensed Income Statements, Captions [Line Items]
Revenue			0			0
Provision for losses			0			0
Net revenue			0			0
Cost of providing services
Salaries and benefits			0			0
Occupancy			0			0
Office			0			0
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
Interest expense			0			0
Intercompany interest (income) expense			0			0
Loss on extinguishment of debt			0			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 (loss) income from discontinued operations, net of tax			0			0
Net income			0			0
Equity in net income (loss) of subsidiaries			(32,083)			(77,766)
Eliminations | Subsidiaries | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
Eliminations | Subsidiaries | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries			12,782			30,406
Eliminations | Subsidiaries | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries			(4,326)			(29,214)
Eliminations | Subsidiaries | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries			(2,205)			(1,009)
Eliminations | Subsidiaries | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries			(38,334)			(77,949)
CFTC | Reportable Legal Entities | Subsidiary Issuer
Condensed Income Statements, Captions [Line Items]
Revenue			0			0
Provision for losses			0			0
Net revenue			0			0
Cost of providing services
Salaries and benefits			0			0
Occupancy			0			0
Office			0			0
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			458			906
Intercompany management fee			0			0
Interest expense			16,585			34,907
Intercompany interest (income) expense			0			0
Loss on extinguishment of debt			0			11,683
Total operating expense			17,043			47,496
Income from continuing operations before income taxes			(17,043)			(47,496)
Provision for income taxes			(5,418)			(12,259)
Net income from continuing operations			(11,625)			(35,237)
Net (loss) income from discontinued operations, net of tax			0			0
Net income			(11,625)			(35,237)
Equity in net income (loss) of subsidiaries			20,458			42,529
CFTC | Reportable Legal Entities | Subsidiary Issuer | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
CFTC | Reportable Legal Entities | Subsidiary Issuer | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries			(12,782)			(30,406)
CFTC | Reportable Legal Entities | Subsidiary Issuer | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries			4,326			29,214
CFTC | Reportable Legal Entities | Subsidiary Issuer | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries			2,205			1,009
CFTC | Reportable Legal Entities | Subsidiary Issuer | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries			38,334			77,949
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer
Condensed Income Statements, Captions [Line Items]
Revenue			0			0
Provision for losses			0			0
Net revenue			0			0
Cost of providing services
Salaries and benefits			0			0
Occupancy			0			0
Office			0			0
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			18			25
Intercompany management fee			0			0
Interest expense			0			0
Intercompany interest (income) expense			(904)			(1,784)
Loss on extinguishment of debt			0			0
Total operating expense			(886)			(1,759)
Income from continuing operations before income taxes			886			1,759
Provision for income taxes			13,668			32,165
Net income from continuing operations			(12,782)			(30,406)
Net (loss) income from discontinued operations, net of tax			0			0
Net income			(12,782)			(30,406)
Equity in net income (loss) of subsidiaries			(12,782)			(30,406)
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | CFTC
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | CURO Intermediate
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | Subsidiary Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | Subsidiary Non-Guarantors
Operating (income) expense:
Equity in net income (loss) of subsidiaries			0			0
CURO Intermediate | Reportable Legal Entities | Subsidiary Issuer | SPV Subs
Operating (income) expense:
Equity in net income (loss) of subsidiaries			$ 0			$ 0

CONDENSED CONSOLIDATING FINAN_6

CONDENSED CONSOLIDATING FINANCIAL INFORMATION - Statements of Cash Flows (Details) - USD ($) $ in Thousands		6 Months Ended
		Jun. 30, 2019	Jun. 30, 2018	Aug. 02, 2018
Cash flows from operating activities
Net cash provided by (used in) continuing operating activities		$ 312,319	$ 246,733
Net cash (used in) provided by discontinued operating activities		(504)	5,458
Net cash provided by operating activities		311,815	252,191
Cash flows from investing activities
Purchase of property, equipment and software		(6,164)	(2,957)
Investment in Cognical Holdings		(4,368)	(958)
Originations of loans, net		(217,199)	(194,636)
Net cash used in continuing investing activities		(227,731)	(198,551)
Net cash used in discontinued investing activities		(14,213)	(14,349)
Net cash used in investing activities		(241,944)	(212,900)
Cash flows from financing activities
Payments on subordinated stockholder debt		(2,245)	0
Net proceeds from issuance of common stock		0	12,431
Proceeds from exercise of stock options		27	39
Payments on 12.00% Senior Secured Notes			(77,500)
Payments of call premiums from early debt extinguishments		0	(9,300)
Debt issuance costs paid		(198)	(168)
Repurchase of common stock		(1,762)	0
Net cash used in financing activities	[1]	(45,180)	(80,661)
Effect of exchange rate changes on cash and restricted cash		1,461	(4,189)
Net increase (decrease) in cash and restricted cash		26,152	(45,559)
Cash and restricted cash at beginning of period		99,857	174,491
Cash and restricted cash at end of period		126,009	128,932
Less: Cash and restricted cash of discontinued operations at end of period		0	12,460
Cash and restricted cash of continuing operations at end of period		126,009	116,472
Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		0
Payments on credit facilities		0
Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		3,750
Payments on credit facilities		(24,752)
Senior Revolver
Cash flows from financing activities
Proceeds from credit facilities		68,002
Payments on credit facilities		(88,002)
Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		0	13,000
Payments on credit facilities		0	(19,163)
Revolving Credit Facility | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		3,750	0
Payments on credit facilities		(24,752)	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		68,002	18,798
Payments on credit facilities		(88,002)	(18,798)
Eliminations
Cash flows from operating activities
Net cash provided by (used in) continuing operating activities		1,544
Net cash (used in) provided by discontinued operating activities		0
Cash flows from investing activities
Purchase of property, equipment and software		0
Investment in Cognical Holdings		0
Originations of loans, net		0
Net cash used in continuing investing activities		0
Net cash used in discontinued investing activities		0
Cash flows from financing activities
Payments on subordinated stockholder debt		0
Proceeds from exercise of stock options		0
Debt issuance costs paid		0
Repurchase of common stock		0
Net cash used in financing activities		0
Effect of exchange rate changes on cash and restricted cash		(1,544)
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 U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		0
Payments on credit facilities		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		204,323	38,259
Net cash (used in) provided by discontinued operating activities		0	0
Net cash provided by operating activities			38,259
Cash flows from investing activities
Purchase of property, equipment and software		(4,998)	(1,983)
Investment in Cognical Holdings		(4,368)	0
Originations of loans, net		(142,871)	(84,640)
Net cash used in continuing investing activities		(152,237)	(86,623)
Net cash used in discontinued investing activities		0	0
Net cash used in investing activities			(86,623)
Cash flows from financing activities
Payments on subordinated stockholder debt		0
Net proceeds from issuance of common stock			0
Proceeds from exercise of stock options		69	0
Payments on 12.00% Senior Secured Notes			0
Payments of call premiums from early debt extinguishments			0
Debt issuance costs paid		0	0
Repurchase of common stock		0
Net cash used in financing activities		(19,931)	0
Effect of exchange rate changes on cash and restricted cash		0	0
Net increase (decrease) in cash and restricted cash		32,155	(48,364)
Cash and restricted cash at beginning of period		52,397	119,056
Cash and restricted cash at end of period		84,552	70,692
Less: Cash and restricted cash of discontinued operations at end of period			0
Cash and restricted cash of continuing operations at end of period			70,692
Subsidiary Guarantors | Reportable Legal Entities | 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 | 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		30,000
Payments on credit facilities		(50,000)
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		10,929	53,104
Net cash (used in) provided by discontinued operating activities		(504)	14,225
Net cash provided by operating activities			67,329
Cash flows from investing activities
Purchase of property, equipment and software		(1,166)	(974)
Investment in Cognical Holdings		0	0
Originations of loans, net		(3,227)	(48,795)
Net cash used in continuing investing activities		(4,393)	(49,769)
Net cash used in discontinued investing activities		(14,213)	(14,349)
Net cash used in investing activities			(64,118)
Cash flows from financing activities
Payments on subordinated stockholder debt		(2,245)
Net proceeds from issuance of common stock			0
Proceeds from exercise of stock options		0	0
Payments on 12.00% Senior Secured Notes			0
Payments of call premiums from early debt extinguishments			0
Debt issuance costs paid		0	(78)
Repurchase of common stock		0
Net cash used in financing activities		(2,245)	(78)
Effect of exchange rate changes on cash and restricted cash		2,444	(651)
Net increase (decrease) in cash and restricted cash		(7,982)	2,482
Cash and restricted cash at beginning of period		34,620	48,484
Cash and restricted cash at end of period		26,638	50,966
Less: Cash and restricted cash of discontinued operations at end of period			12,460
Cash and restricted cash of continuing operations at end of period			38,506
Subsidiary Non-Guarantors | Reportable Legal Entities | 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 | 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		38,002
Payments on credit facilities		(38,002)
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			8,798
Payments on credit facilities			(8,798)
SPV Subs | Reportable Legal Entities
Cash flows from operating activities
Net cash provided by (used in) continuing operating activities			67,767
Net cash (used in) provided by discontinued operating activities			0
Net cash provided by operating activities			67,767
Cash flows from investing activities
Purchase of property, equipment and software			0
Investment in Cognical Holdings			0
Originations of loans, net			(61,201)
Net cash used in continuing investing activities			(61,201)
Net cash used in discontinued investing activities			0
Net cash used in investing activities			(61,201)
Cash flows from financing activities
Net proceeds from issuance of common stock			0
Proceeds from exercise of stock options			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			(6,163)
Effect of exchange rate changes on cash and restricted cash			0
Net increase (decrease) in cash and restricted cash			403
Cash and restricted cash at beginning of period			6,871
Cash and restricted cash at end of period			7,274
Less: Cash and restricted cash of discontinued operations at end of period			0
Cash and restricted cash of continuing operations at end of period			7,274
SPV Subs | Reportable Legal Entities | Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities			13,000
Payments on credit facilities			(19,163)
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		93,690
Net cash (used in) provided by discontinued operating activities		0
Cash flows from investing activities
Purchase of property, equipment and software		0
Investment in Cognical Holdings		0
Originations of loans, net		(71,101)
Net cash used in continuing investing activities		(71,101)
Net cash used in discontinued investing activities		0
Cash flows from financing activities
Payments on subordinated stockholder debt		0
Proceeds from exercise of stock options		0
Debt issuance costs paid		(169)
Repurchase of common stock		0
Net cash used in financing activities		(21,171)
Effect of exchange rate changes on cash and restricted cash		561
Net increase (decrease) in cash and restricted cash		1,979
Cash and restricted cash at beginning of period		12,840
Cash and restricted cash at end of period		14,819
Canada SPV | Reportable Legal Entities | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		0
Payments on credit facilities		0
Canada SPV | Reportable Legal Entities | Non-Recourse Canada SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		3,750
Payments on credit facilities		(24,752)
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			259,283
Net cash (used in) provided by discontinued operating activities			5,458
Net cash provided by operating activities			264,741
Cash flows from investing activities
Purchase of property, equipment and software			(2,957)
Investment in Cognical Holdings			(958)
Originations of loans, net			(194,636)
Net cash used in continuing investing activities			(198,551)
Net cash used in discontinued investing activities			(14,349)
Net cash used in investing activities			(212,900)
Cash flows from financing activities
Net proceeds from issuance of common stock			0
Proceeds from exercise of stock options			0
Payments on 12.00% Senior Secured Notes			(77,500)
Payments of call premiums from early debt extinguishments			(9,300)
Debt issuance costs paid			(168)
Net cash used in financing activities			(93,131)
Effect of exchange rate changes on cash and restricted cash			(4,189)
Net increase (decrease) in cash and restricted cash			(45,479)
Cash and restricted cash at beginning of period			174,411
Cash and restricted cash at end of period			128,932
Less: Cash and restricted cash of discontinued operations at end of period			12,460
Cash and restricted cash of continuing operations at end of period			116,472
Subsidiaries | Revolving Credit Facility | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities			13,000
Payments on credit facilities			(19,163)
Subsidiaries | Revolving Credit Facility | Senior Revolver | Line of Credit
Cash flows from financing activities
Proceeds from credit facilities			18,798
Payments on credit facilities			(18,798)
Subsidiaries | Eliminations
Cash flows from operating activities
Net cash provided by (used in) continuing operating activities			12,305
Net cash (used in) provided by discontinued operating activities			(8,767)
Net cash provided by operating activities			3,538
Cash flows from investing activities
Purchase of property, equipment and software			0
Investment in Cognical Holdings			0
Originations of loans, net			0
Net cash used in continuing investing activities			0
Net cash used in discontinued investing activities			0
Net cash used in investing activities			0
Cash flows from financing activities
Net proceeds from issuance of common stock			0
Proceeds from exercise of stock options			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			(3,538)
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
Less: Cash and restricted cash of discontinued operations at end of period			0
Cash and restricted cash of continuing operations 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		1,833	(12,550)
Net cash (used in) provided by discontinued operating activities		0	0
Net cash provided by operating activities			(12,550)
Cash flows from investing activities
Purchase of property, equipment and software		0	0
Investment in Cognical Holdings		0	0
Originations of loans, net		0	0
Net cash used in continuing investing activities		0	0
Net cash used in discontinued investing activities		0	0
Net cash used in investing activities			0
Cash flows from financing activities
Payments on subordinated stockholder debt		0
Net proceeds from issuance of common stock			12,431
Proceeds from exercise of stock options		(42)	39
Payments on 12.00% Senior Secured Notes			0
Payments of call premiums from early debt extinguishments			0
Debt issuance costs paid		(29)	0
Repurchase of common stock		(1,762)
Net cash used in financing activities		(1,833)	12,470
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
Less: Cash and restricted cash of discontinued operations at end of period			0
Cash and restricted cash of continuing operations at end of period			0
CURO | Non-Recourse U.S. SPV Facility
Cash flows from financing activities
Proceeds from credit facilities		0
Payments on credit facilities		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			87,848
Net cash (used in) provided by discontinued operating activities			0
Net cash provided by operating activities			87,848
Cash flows from investing activities
Purchase of property, equipment and software			0
Investment in Cognical Holdings			(958)
Originations of loans, net			0
Net cash used in continuing investing activities			(958)
Net cash used in discontinued investing activities			0
Net cash used in investing activities			(958)
Cash flows from financing activities
Net proceeds from issuance of common stock			0
Proceeds from exercise of stock options			0
Payments on 12.00% Senior Secured Notes			(77,500)
Payments of call premiums from early debt extinguishments			(9,300)
Debt issuance costs paid			(90)
Net cash used in financing activities			(86,890)
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
Less: Cash and restricted cash of discontinued operations at end of period			0
Cash and restricted cash of continuing operations 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
Net cash provided by operating activities			0
Cash flows from investing activities
Purchase of property, equipment and software			0
Investment in Cognical Holdings			0
Originations of loans, net			0
Net cash used in continuing investing activities			0
Net cash used in discontinued investing activities			0
Net cash used in investing activities			0
Cash flows from financing activities
Net proceeds from issuance of common stock			0
Proceeds from exercise of stock options			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
Less: Cash and restricted cash of discontinued operations at end of period			0
Cash and restricted cash of continuing operations 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

SHARE REPURCHASE PROGRAM (Detai

SHARE REPURCHASE PROGRAM (Details) - USD ($)	3 Months Ended	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2019	Apr. 30, 2019
Equity [Abstract]
Total authorized repurchase amount	$ 50,000,000	$ 50,000,000	$ 50,000,000
Total number of shares repurchased (in shares)		244,200
Average price paid per share (in dollars per share)		$ 10.26
Total value of shares repurchased	2,507,000	$ 2,507,000
Total remaining authorized repurchase amount	$ 47,493,000	$ 47,493,000

SUBSEQUENT EVENTS (Details)

SUBSEQUENT EVENTS (Details) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended			3 Months Ended	6 Months Ended
	Aug. 02, 2019	Jul. 31, 2019	Apr. 30, 2019	Jun. 30, 2019	Jun. 30, 2019
Subsequent Event [Line Items]
Total number of shares repurchased (in shares)					244,200
Average price paid per share (in dollars per share)					$ 10.26
Total value of shares repurchased				$ 2,507	$ 2,507
Subsequent Event
Subsequent Event [Line Items]
Total number of shares repurchased (in shares)	989,500
Average price paid per share (in dollars per share)	$ 10.85
Total value of shares repurchased	$ 10,731
Cognical Holdings, Inc. (Zibby)
Subsequent Event [Line Items]
Payments to acquire equity method investments			$ 2,800
Ownership percentage				30.00%	30.00%
Cognical Holdings, Inc. (Zibby) | Subsequent Event
Subsequent Event [Line Items]
Additional shares purchased (in shares)		10,695,187
Payments to acquire equity method investments		$ 4,000
Ownership percentage		42.30%