Cash America International, Inc. provides specialty financial services to individuals through retail services locations and through electronic distribution platforms known as e-commerce activities. The Company offers secured non-recourse loans and unsecured consumer loans. Its consumer loan portfolio includes short-term loans, which include single payment loans (that are commonly referred to as payday loans), line of credit products and installment loans. It operates in two segments: retail services and e-commerce. Through the credit services organization programs (CSO programs), it provides a third-party lender�s consumer loan product in some markets by acting as a credit services organization or credit access business on behalf of consumers. Services offered under the CSO programs include credit related services, such as arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents.