Cash America 2012 Annual Report Download - page 105
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80
Consumer Loans Written and Renewed
The amount of combined consumer loans written and renewed increased $108.9 million, or 3.7%, to $3.03
billion in 2011, from $2.92 billion in 2010, due primarily to growth in consumer loans written and renewed from the e-
commerce segment in foreign markets, growth in installment loans in the domestic and United Kingdom markets, and, to
a lesser extent, the expansion of the Company’s line of credit product in the United States. These increases more than
offset a decrease in loans written and renewed in domestic markets in which consumer loans are no longer offered due to
changes in laws and the absence of consumer loans written and renewed in the MLOC services business.
The average amount per consumer loan increased to $514 from $431 during 2011 over 2010, due to the absence
of loans purchased through the MLOC services business, which generally have a lower average loan amount per loan,
and an increase in longer-term installment loans, which typically have a higher average loan amount than short-term
loans.