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Customer Loans and Valuation Accounts (Tables)
 12 Months Ended
Dec. 31, 2017
Receivables [Abstract]  
Schedule of Consumer Loans
Customer loans, including pawn receivables and net of unearned finance fees, consist of the following (in thousands):

 
Pawn
 
Consumer Loan
 
Total
December 31, 2017
 
 
 
 
 
Total customer loans
$
344,748

 
$
25,337

 
$
370,085

Less allowance for doubtful accounts
—

 
(1,815
)
 
(1,815
)
 
$
344,748

 
$
23,522

 
$
368,270

 
 
 
 
 
 
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
Allowance for Credit Losses
Changes in the allowance for consumer loan credit losses are as follows (in thousands):

 
Year Ended December 31,
 
2017
 
2016
 
2015
Balance at beginning of year
$
2,251

 
$
66

 
$
81

Provision for credit losses
12,762

 
6,049

 
808

Charge-offs, net of recoveries from customers
(13,198
)
 
(3,864
)
 
(823
)
Balance at end of year
$
1,815

 
$
2,251

 
$
66



Under the CSO Programs, 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 (in thousands):

 
Year Ended December 31,
 
2017
 
2016
 
2015
Balance at beginning of year
$
582

 
$
498

 
$
493

Provision for credit losses
7,057

 
5,944

 
6,351

Amounts paid to Independent Lenders under guarantees, net of recoveries from customers
(7,199
)
 
(5,860
)
 
(6,346
)
Balance at end of year
$
440

 
$
582

 
$
498