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Customer Loans and Valuation Accounts
 12 Months Ended
Dec. 31, 2016
Receivables [Abstract]  
Customer Loans and Valuation Accounts
CUSTOMER LOANS AND VALUATION ACCOUNTS

Customer loans, including pawn receivables and net of unearned finance fees, consist of the following:

 
Pawn
 
Consumer Loan
 
Total
December 31, 2016
 
 
 
 
 
Total customer loans
$
350,506

 
$
31,455

 
$
381,961

Less allowance for doubtful accounts
—

 
(2,251
)
 
(2,251
)
 
$
350,506

 
$
29,204

 
$
379,710

 
 
 
 
 
 
December 31, 2015
 
 
 
 
 
Total customer loans
$
117,601

 
$
1,184

 
$
118,785

Less allowance for doubtful accounts
—

 
(66
)
 
(66
)
 
$
117,601

 
$
1,118

 
$
118,719



Changes in the allowance for consumer loan credit losses are as follows:

 
Year Ended December 31,
 
2016
 
2015
 
2014
Balance at beginning of year
$
66

 
$
81

 
$
84

Provision for credit losses
6,049

 
808

 
1,207

Charge-offs, net of recoveries from customers
(3,864
)
 
(823
)
 
(1,210
)
Balance at end of year
$
2,251

 
$
66

 
$
81



Under the CSO Program, the Company assists customers in applying for a short-term extension of credit from Independent Lenders and issues the Independent Lenders a guarantee for the repayment of the extension of credit. The Company is required to recognize, at the inception of the guarantee, a liability for the fair value of the obligation undertaken by issuing the guarantee. The Company records the estimated fair value of the liability in accrued liabilities. Changes in the liability for credit services losses are as follows:

 
Year Ended December 31,
 
2016
 
2015
 
2014
Balance at beginning of year
$
498

 
$
493

 
$
580

Provision for credit losses
5,944

 
6,351

 
8,080

Amounts paid to Independent Lenders under guarantees, net of recoveries from customers
(5,860
)
 
(6,346
)
 
(8,167
)
Balance at end of year
$
582

 
$
498

 
$
493