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Customer Loans and Valuation Accounts (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Schedule of Consumer Loans | Consumer loans, net are composed of the following (in thousands):
December 31, 2019 |
Total consumer loans | $ | 785 |
Less allowance for doubtful accounts | (34 | )
Consumer loans, net | $ | 751 |
December 31, 2018 |
Total consumer loans | $ | 16,785 |
Less allowance for doubtful accounts | (883 | )
Consumer loans, net | $ | 15,902 |
Allowance for Credit Losses | Changes in the allowance for consumer loan credit losses are as follows (in thousands):
| Year Ended December 31,
| 2019 |  | 2018 |  | 2017
Balance at beginning of year | $ | 883 |  |  | $ | 1,815 |  |  | $ | 2,251 |
Provision for credit losses | 2,395 |  |  | 9,405 |  |  | 12,762 |
Charge-offs, net of recoveries from customers | (3,244 | ) |  | (10,337 | ) |  | (13,198 | )
Balance at end of year | $ | 34 |  |  | $ | 883 |  |  | $ | 1,815 |
Under the CSO Program, the Company assists customers in applying for a short-term extension of credit from an Independent Lender and issues the Independent Lender 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 estimated 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,
| 2019 |  | 2018 |  | 2017
Balance at beginning of year | $ | 252 |  |  | $ | 440 |  |  | $ | 582 |
Provision for credit losses | 1,764 |  |  | 8,056 |  |  | 7,057 |
Amounts paid to Independent Lenders under guarantees, net of recoveries from customers | (1,926 | ) |  | (8,244 | ) |  | (7,199 | )
Balance at end of year | $ | 90 |  |  | $ | 252 |  |  | $ | 440 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
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- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
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