Cash America 2012 Annual Report Download - page 92
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67
extensions of that loan because the customer pays the finance charge due at the time of each payment, similar to a loan
that has been renewed or extended. All references to renewals include both renewals and extensions made by customers
to their existing short-term loans.
The amount of combined consumer loans written and renewed was $3.42 billion in 2012 and increased $384.5
million, or 12.7%, from $3.03 billion in 2011, mainly due to an increase in demand for all consumer loan products from
the e-commerce segment in domestic and foreign markets.
The average amount per consumer loan increased to $528 from $514 during 2012 compared to 2011, due largely
to an increase in longer-term installment loans, which typically have a larger average loan amount than short-term loans,
and an increase in the average amount of short-term loans. Management expects the average amount per consumer loan
to increase in 2013 due to the continued growth in installment lending.