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Customer Loans and Valuation Accounts | 12 Months Ended
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Dec. 31, 2018
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 (in thousands):
| Pawn Loans |  | Consumer Loans |  | Total
December 31, 2018 |  |  |  |  |
Total customer loans | $ | 362,941 |  |  | $ | 16,785 |  |  | $ | 379,726 |
Less allowance for doubtful accounts | — |  |  | (883 | ) |  | (883 | )
| $ | 362,941 |  |  | $ | 15,902 |  |  | $ | 378,843 |
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 |
Changes in the allowance for consumer loan credit losses are as follows (in thousands):
| Year Ended December 31,
| 2018 |  | 2017 |  | 2016
Balance at beginning of year | $ | 1,815 |  |  | $ | 2,251 |  |  | $ | 66 |
Provision for credit losses | 9,405 |  |  | 12,762 |  |  | 6,049 |
Charge-offs, net of recoveries from customers | (10,337 | ) |  | (13,198 | ) |  | (3,864 | )
Balance at end of year | $ | 883 |  |  | $ | 1,815 |  |  | $ | 2,251 |
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,
| 2018 |  | 2017 |  | 2016
Balance at beginning of year | $ | 440 |  |  | $ | 582 |  |  | $ | 498 |
Provision for credit losses | 8,056 |  |  | 7,057 |  |  | 5,944 |
Amounts paid to Independent Lenders under guarantees, net of recoveries from customers | (8,244 | ) |  | (7,199 | ) |  | (5,860 | )
Balance at end of year | $ | 252 |  |  | $ | 440 |  |  | $ | 582 |

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5074-111524 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(4)) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-03(a)(5)) -URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5162-111524 Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5066-111524 Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02(3)) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 946 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.6-04(6)) -URI http://asc.fasb.org/extlink&oid=6488278&loc=d3e603758-122996 + Details
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