Cash America 2011 Annual Report Download - page 21
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15
products offer our customers a choice
for another simple and effective option
to meet their needs. For this type of
loan, customers complete an application
online or at a storefront location and
provide documentation such as current
pay stubs and bank statements to
apply. At maturity, which is typically
oriented to the customer’s next payday,
customers may choose to pay off the
loan in cash at a storefront location or
allow Cash America to process their
payment electronically.
Unlike a pawn loan, the consumer
loan is based on our assessment of the
customer’s ability to repay, requires no
collateral and is a little larger – averaging
about $500. A customer with an active
checking account who qualies under
our proprietary scoring model is eligible
for this type of loan. Many customers
choose this option to cover small
expenses and avoid costly bounced-
check fees or late-payment penalties.
In 2011, Cash America extended over
$3 billion in consumer loans, with
69 percent served through the
convenience of our online platform.
Other Cash America nancial
solutions include check cashing services,
money orders, wire transfers and
prepaid debit cards. In recent years,
the addition of gold-buying and other
ancillary services to our storefront
consumer loan locations has given our
customers even more nancial options.
Cash America’s introduction of
additional installment loan products
and multi-month auto equity loans
CASH AMERICA INTERNATIONAL, INC.