Cash America International, Inc., provides specialty financial services to individuals through retail services locations and through electronic distribution platforms known as e-commerce activities. Its consumer loan portfolio includes short-term loans, which include single payment loans (that are commonly referred to as payday loans) and line of credit products; longer-term multi-payment installment loans; and credit services and participation interests in receivables acquired from a third-party lender through the micro line of credit (MLOC) channel. It operates in two segments: retail services and e-commerce. Through the credit services organization programs (the 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. In August 2013, Cash America International Inc completed the acquisition of a chain of 41 pawn lending locations in the State of Texas.