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Customer Loans and Valuation Accounts
 12 Months Ended
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