ENVA / Enova International, Inc. - SEC-arkivering, Årsberetning, Fuldmagtserklæring

FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 13, 2026 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission Fi

FORM 8-K Item 2.02 Results of Operations and Financial Condition. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 23, 2026 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission

I. DEFINITIONS II. Notes, PAYMENTS, INTEREST AND COLLATERAL III. FEES AND OTHER CHARGES IV. CONDITIONS PRECEDENT V. REPRESENTATIONS AND WARRANTIES VI. AFFIRMATIVE COVENANTS VII. NEGATIVE COVENANTS VIII. EVENTS OF DEFAULT IX. RIGHTS AND REMEDIES AFTER

Exhibit 10.3 SECOND AMENDMENT TO NOTE ISSUANCE AND PURCHASE AGREEMENT This SECOND AMENDMENT TO NOTE ISSUANCE AND PURCHASE AGREEMENT (this “Amendment”) is entered into this 30th day of March, 2026, by and among NETCREDIT LOC RECEIVABLES 2024, LLC, a Delaware limited liability company (“Issuer”), each of the undersigned existing Note Purchasers (in such capacity, each, an “Existing Note Purchaser”,

AMENDMENT NO. 12 TO FOURTH AMENDED AND RESTATED CREDIT AGREEMENT AND OMNIBUS AMENDMENT

Exhibit 10.4 AMENDMENT NO. 12 TO FOURTH AMENDED AND RESTATED CREDIT AGREEMENT AND OMNIBUS AMENDMENT This AMENDMENT NO. 12 TO FOURTH AMENDED AND RESTATED CREDIT AGREEMENT (this “Amendment”) dated as of March 30, 2026, is entered into by and among RECEIVABLE ASSETS OF ONDECK, LLC, a Delaware limited liability company (“Company”), the Lenders party hereto and Truist BANK, as Administrative Agent (in

ENOVA INTERNATIONAL, INC. FOURTH AMENDED AND RESTATED %%FIRST_NAME_MIDDLE_NAME_LAST_NAME%-% ENOVA INTERNATIONAL, INC.

Exhibit 10.6 ENOVA INTERNATIONAL, INC. FOURTH AMENDED AND RESTATED 2014 LONG-TERM INCENTIVE PLAN AWARD AGREEMENT FOR GRANT OF RESTRICTED STOCK UNITS This Fourth Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for Grant of Restricted Stock Units (the “Agreement”) is entered into by and between Enova International, Inc. (the “Company”) and the “Executive” detailed below: %%FIRSTNA

I. DEFINITIONS II. Notes, PAYMENTS, INTEREST AND COLLATERAL III. FEES AND OTHER CHARGES IV. CONDITIONS PRECEDENT V. REPRESENTATIONS AND WARRANTIES VI. AFFIRMATIVE COVENANTS VII. NEGATIVE COVENANTS VIII. EVENTS OF DEFAULT IX. RIGHTS AND REMEDIES AFTER

Exhibit 10.2 THIRD AMENDMENT TO NOTE ISSUANCE AND PURCHASE AGREEMENT THIS THIRD AMENDMENT TO NOTE ISSUANCE AND PURCHASE AGREEMENT (this “Amendment”), dated as of March 30, 2026, is entered into by and among NetCredit Receivables 2022, LLC, a Delaware limited liability company (“Issuer”), Jefferies Funding LLC (“Jefferies”), as sole note purchaser (in such capacity, the “Requisite Note Purchaser”),

Section 1. DEFINITIONS AND INTERPRETATION Section 2. LOANS Section 3. CONDITIONS PRECEDENT Section 4. REPRESENTATIONS AND WARRANTIES Section 5. AFFIRMATIVE COVENANTS Section 6. NEGATIVE COVENANTS Section 7. EVENTS OF DEFAULT Section 8. AGENTS Section

Exhibit 10.5 Amendment No. 2 to Credit Agreement This Amendment No. 2 to Credit Agreement (this “Amendment”) is entered into as of March 31, 2026, by and among HWC Receivables 2023, LLC, a Delaware limited liability company, as company (“Company”), the lenders parties hereto (the “Lenders”), Headway Capital, LLC, a Utah limited liability company, as originator (“Headway”), Enova International, Inc

ENOVA INTERNATIONAL, INC. FOURTH AMENDED AND RESTATED 2014 LONG-TERM INCENTIVE PLAN AWARD AGREEMENT SPECIAL GRANT OF NONQUALIFIED STOCK OPTION WITH A LIMITED STOCK APPRECIATION RIGHT

Exhibit 10.7 ENOVA INTERNATIONAL, INC. FOURTH AMENDED AND RESTATED 2014 LONG-TERM INCENTIVE PLAN AWARD AGREEMENT SPECIAL GRANT OF NONQUALIFIED STOCK OPTION WITH A LIMITED STOCK APPRECIATION RIGHT This Fourth Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for a Special Grant of Nonqualified Stock Option with a Limited Stock Appreciation Right (the “Agreement”) is entered into by

Enova Reports First Quarter 2026 Results

Exhibit 99.1 Enova Reports First Quarter 2026 Results • Originations rose 33% and total company revenue increased 17% from the first quarter of 2025 • Diluted earnings per share of $3.46 increased 29% and adjusted earnings per share1 of $3.87 rose 30% compared to the first quarter of 2025 • Credit performance remained strong with a lower net charge-off ratio compared to a year ago of 7.6% and a ne

Amendment No. 4 to Credit Agreement and Reaffirmation of Performance Guaranty

Exhibit 10.1 Amendment No. 4 to Credit Agreement and Reaffirmation of Performance Guaranty This Amendment No. 4 to Credit Agreement and Reaffirmation of Performance guaranty (this “Amendment”) is entered into as of January 9, 2026, by and among OnDeck Receivables 2022, LLC, a Delaware limited liability company, as company (“Company”), the lenders from time to time parties hereto (the “Lenders”), B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova Intern

ARS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova International, Inc. (Exact

SCHEDULE 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

SCHEDULE 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ⊠ Filed by a party other than the Registrant  Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defin

COURTESY COPY OF ENVA_DEFA14A-2026

Your Vote Counts! Smartphone users Point your camera here and vote without entering a control number For complete information and to vote, visit www.

FORM 8-K Item 1.01 Entry into a Material Definitive Agreement. Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 30, 2026 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission

ARTICLE I DEFINITIONS ARTICLE II ARTICLE 5 OF THE BASE INDENTURE ARTICLE III AMORTIZATION EVENTS ARTICLE IV OPTIONAL PREPAYMENT ARTICLE V SERVICING FEE ARTICLE VI FORM OF SERIES 2025-2 NOTES ARTICLE VII INFORMATION ARTICLE VIII MISCELLANEOUS

Exhibit 4.16 ONDECK ASSET SECURITIZATION IV, LLC, as Issuer and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Indenture Trustee SERIES 2025-2 INDENTURE SUPPLEMENT dated as of November 13, 2025 to BASE INDENTURE dated as of July 27, 2023 and amended as of March 20, 2025 and further amended as of November 13, 2025 Up to $261,434,000 of Asset Backed Notes Table of Contents Page PRELIMINARY STATEMENT 1 DES

Amendment No. 9 to Credit Agreement

Exhibit 10.47 Amendment No. 9 to Credit Agreement This Amendment No. 9 to Credit Agreement (this “Amendment”) is entered into as of November 14, 2025, by and among OnDeck Receivables 2021, LLC, a Delaware limited liability company, as company (the “Borrower”), the lenders from time to time parties hereto (the “Lenders”), JPMorgan Chase Bank, N.A., as administrative agent and collateral agent for t

OMNIBUS FIRST SUPPLEMENT TO SERIES 2023-1 INDENTURE SUPPLEMENT, SERIES 2024-1 INDENTURE SUPPLEMENT, SERIES 2024-2 INDENTURE SUPPLEMENT AND SERIES 2025-1 INDENTURE SUPPLEMENT

Exhibit 4.18 OMNIBUS FIRST SUPPLEMENT TO SERIES 2023-1 INDENTURE SUPPLEMENT, SERIES 2024-1 INDENTURE SUPPLEMENT, SERIES 2024-2 INDENTURE SUPPLEMENT AND SERIES 2025-1 INDENTURE SUPPLEMENT THIS FIRST OMNIBUS SUPPLEMENT TO SERIES 2023-2 INDENTURE SUPPLEMENT, SERIES 2024-1 INDENTURE SUPPLEMENT, SERIES 2024-2 INDENTURE SUPPLEMENT AND SERIES 2025-1 INDENTURE SUPPLEMENT dated as of November 13, 2025 (thi

Subsidiaries of Enova International, Inc.

Exhibit 21.1 Subsidiaries of Enova International, Inc. The following is a list of subsidiaries of Enova International, Inc. as of February 20, 2026: Entity Name Jurisdiction of Incorporation/Organization Direct Ownership % ├─┬─ Debit Plus, LLC Delaware 100.00% │ ├─── Debit Plus Payment Solutions, LLC Delaware 100.00% │ ├─── Debit Plus Services, LLC Delaware 100.00% │ └─── Debit Plus Technologies,

Amendment No. 3 to Credit Agreement and Reaffirmation of Performance Guaranty

Exhibit 10.46 Amendment No. 3 to Credit Agreement and Reaffirmation of Performance Guaranty This Amendment No. 3 to Credit Agreement and Reaffirmation of Performance guaranty (this “Amendment”) is entered into as of November 7, 2025, by and among OnDeck Receivables 2022, LLC, a Delaware limited liability company, as company (“Company”), the lenders from time to time parties hereto (the “Lenders”),

ONDECK ASSET SECURITIZATION IV, LLC, as Issuer, DEUTSCHE BANK TRUST COMPANY AMERICAS, as Indenture Trustee SECOND SUPPLEMENT Dated as of November 13, 2025 to the BASE INDENTURE Dated as of July 27, 2023

Exhibit 4.17 ONDECK ASSET SECURITIZATION IV, LLC, as Issuer, and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Indenture Trustee SECOND SUPPLEMENT Dated as of November 13, 2025 to the BASE INDENTURE Dated as of July 27, 2023 SECOND SUPPLEMENT TO BASE INDENTURE SECOND SUPPLEMENT TO THE BASE INDENTURE, dated as of November 13, 2025 (this “Second Supplement”), between ONDECK ASSET SECURITIZATION IV, LLC,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova International, Inc. (E

Need for a Statement of Policy Consequences of Insider Trading Violations Definitions/Explanations Statement of Policy Trading Windows and Blackout Periods Pre-Clearance Requirements for Directors and Officers Rule 10b5-1 Trading Plans Questions

Exhibit 19.1 ENOVA INTERNATIONAL, INC. INSIDER TRADING POLICY Need for a Statement of Policy U.S. federal and state securities laws prohibit the purchase or sale of securities of a company while aware of material nonpublic information about that company. These laws also prohibit the disclosure of material nonpublic information about a company to others (referred to as “tipping”) who may then trade

Amendment No. 10 to Credit Agreement

Exhibit 10.48 Amendment No. 10 to Credit Agreement This Amendment No. 10 to Credit Agreement (this “Amendment”) is entered into as of November 24, 2025, by and among OnDeck Receivables 2021, LLC, a Delaware limited liability company, as company (the “Borrower”), the lenders from time to time parties hereto (the “Lenders”), JPMorgan Chase Bank, N.A., as administrative agent and collateral agent for

FIRST AMENDMENT TO NOTE ISSUANCE AND PURCHASE AGREEMENT

Exhibit 10.45 FIRST AMENDMENT TO NOTE ISSUANCE AND PURCHASE AGREEMENT This FIRST AMENDMENT TO NOTE ISSUANCE AND PURCHASE AGREEMENT (this “Amendment”) is entered into this 17th day of October, 2025, by and among NETCREDIT LOC RECEIVABLES 2024, LLC, a Delaware limited liability company (“Issuer”), the Note Purchasers party hereto, CITIBANK, N.A. (“Citibank”), not in its individual capacity but solel

AMENDMENT NO. 11 TO FOURTH AMENDED AND RESTATED CREDIT AGREEMENT AND OMNIBUS AMENDMENT

Exhibit 10.44 AMENDMENT NO. 11 TO FOURTH AMENDED AND RESTATED CREDIT AGREEMENT AND OMNIBUS AMENDMENT This AMENDMENT NO. 11 TO FOURTH AMENDED AND RESTATED CREDIT AGREEMENT (this “Amendment”) dated as of October 10, 2025, is entered into by and among RECEIVABLE ASSETS OF ONDECK, LLC, a Delaware limited liability company (“Company”), the Lenders party hereto and Truist BANK, as Administrative Agent (

FORM 8-K Item 2.02 Results of Operations and Financial Condition. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 27, 2026 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissio

Enova Reports Fourth Quarter and Full Year 2025 Results

Exhibit 99.1 Enova Reports Fourth Quarter and Full Year 2025 Results • Originations rose 32% and total company revenue increased 15% from the fourth quarter of 2024 • Diluted earnings per share of $3.00 increased 30% and adjusted earnings per share1 of $3.46 rose 33% compared to the fourth quarter of 2024 • Consolidated credit performance remained strong with a net charge-off ratio of 8.3% and net

FORM 8-K/A (Amendment No. 1 Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A (Amendment No. 1 CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorpora

PROPOSED MERGER—YOUR VOTE IS VERY IMPORTANT

424B3 Table of Contents Filed Pursuant to Rule 424(b)(3) Registration Statement No.

CONSENT OF PIPER SANDLER & CO.

EX-99.1 Exhibit 99.1 1251 AVENUE OF THE AMERICAS, 6TH FLOOR NEW YORK, NY 10020 P 212 466-7800 | TF 800 635-6851 Piper Sandler & Co. Since 1885. Member SIPC and NYSE. CONSENT OF PIPER SANDLER & CO. We hereby consent to the inclusion of our opinion letter to the Board of Directors of Grasshopper Bancorp, Inc. (the “Company”) as an Annex to the Proxy Statement/Prospectus relating to the proposed merg

The Special Meeting of Stockholders of Grasshopper Bancorp, Inc. will be held on Monday, February 2, 2026, 1:00 P.M. ET, virtually via the internet at meetnow.global/MFXXDP7. To access the virtual meeting, you must have the information that is printe

EX-99.2 Exhibit 99.2 Your vote matters – here’s how to vote! You may vote online or by phone instead of mailing this card. Online Go to www.investorvote.com/GHBK or scan the QR code — login details are located in the shaded bar below. Phone Call toll free 1-800-652-VOTE (8683) within the USA, US territories and Canada Save paper, time and money! Sign up for electronic delivery at www.investorvote.

As filed with the Securities and Exchange Commission on December 29, 2025

S-4/A Table of Contents As filed with the Securities and Exchange Commission on December 29, 2025 Registration No.

As filed with the Securities and Exchange Commission on December 19, 2025

S-4 Table of Contents As filed with the Securities and Exchange Commission on December 19, 2025 Registration No.

CONSENT OF PIPER SANDLER & CO.

EX-99.1 Exhibit 99.1 1251 AVENUE OF THE AMERICAS, 6TH FLOOR NEW YORK, NY 10020 P 212 466-7800 | TF 800 635-6851 Piper Sandler & Co. Since 1885. Member SIPC and NYSE. CONSENT OF PIPER SANDLER & CO. We hereby consent to the inclusion of our opinion letter to the Board of Directors of Grasshopper Bancorp, Inc. (the “Company”) as an Annex to the Proxy Statement/Prospectus relating to the proposed merg

Security Type

Calculation of Filing Fee Tables S-4 Enova International, Inc. Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward I

“Each share of Grasshopper Common Stock issued and outstanding immediately prior to the Effective Time (excluding the Canceled Shares and the Dissenting Shares) shall be converted, in accordance with the procedures set forth in this Agreement, into t

Exhibit 2.1 AMENDMENT NO. 1 TO AGREEMENT AND PLAN OF MERGER THIS AMENDMENT NO. 1 (this “Amendment”) to the Agreement and Plan of Merger, dated as of December 10, 2025 (the “Merger Agreement”) is made and entered into as of December 18, 2025, by and between Enova International, Inc. (“Enova”), a Delaware corporation, and Grasshopper Bancorp, Inc. (“Grasshopper”), a Delaware corporation. WHEREAS, in

FORM 8-K Item 1.01 Entry Into a Material Definitive Agreement.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 18, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

FORM 8-K Item 1.01 Entry Into a Material Definitive Agreement.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 18, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

“Each share of Grasshopper Common Stock issued and outstanding immediately prior to the Effective Time (excluding the Canceled Shares and the Dissenting Shares) shall be converted, in accordance with the procedures set forth in this Agreement, into t

Exhibit 2.1 AMENDMENT NO. 1 TO AGREEMENT AND PLAN OF MERGER THIS AMENDMENT NO. 1 (this “Amendment”) to the Agreement and Plan of Merger, dated as of December 10, 2025 (the “Merger Agreement”) is made and entered into as of December 18, 2025, by and between Enova International, Inc. (“Enova”), a Delaware corporation, and Grasshopper Bancorp, Inc. (“Grasshopper”), a Delaware corporation. WHEREAS, in

FORM 8-K Item 1.01 Entry Into a Material Definitive Agreement.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 10, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

ARTICLE 1 TRANSACTIONS AND TERMS OF MERGER ARTICLE 2 MANNER OF CONVERTING SHARES ARTICLE 3 EXCHANGE OF SHARES ARTICLE 4 REPRESENTATIONS AND WARRANTIES OF Grasshopper ARTICLE 5 REPRESENTATIONS AND WARRANTIES OF ENOVA ARTICLE 6 CONDUCT OF BUSINESS PEND

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER BY AND BETWEEN ENOVA INTERNATIONAL, INC. AND GRASSHOPPER BANCORP, INC. Dated as of December 10, 2025 TABLE OF CONTENTS ARTICLE 1 TRANSACTIONS AND TERMS OF MERGER 2 1.1. Merger. 2 1.2. Time and Place of Closing. 2 1.3. Effective Time. 2 1.4. Charter. 2 1.5. Bylaws. 3 1.6. Directors and Officers. 3 1.7. Bank Merger. 3 1.8. Other Core Transactions. 3 ARTICLE 2

FORM 8-K Item 1.01 Entry Into a Material Definitive Agreement.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 10, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

Enova Announces Definitive Agreement to Acquire Grasshopper Bank Will Unite a Leading Online Consumer and Small Business Lender with a Dynamic Digital-First Bank

Exhibit 99.1 Enova Announces Definitive Agreement to Acquire Grasshopper Bank Will Unite a Leading Online Consumer and Small Business Lender with a Dynamic Digital-First Bank CHICAGO, December 11, 2025 - Enova International, Inc. (NYSE: ENVA) (“Enova”), a leading financial services company powered by machine learning and world-class analytics, today announced it has signed a definitive agreement t

Notices and Disclaimers

Exhibit 99.2 Notices and Disclaimers Non-GAAP Financial Information In addition to the financial information prepared in conformity with generally accepted accounting principles in the United States (“GAAP”), Enova International, Inc. (“Enova”) provides historical non-GAAP financial information. Enova presents non-GAAP financial information because such measures are used by management in understan

Employee Email Communications (Enova)

Filed by Enova International, Inc. pursuant to Rule 425 under the Securities Act of 1933, as amended Subject Company: Grasshopper Bancorp, Inc. Commission File Number: 001-35503 Employee Email Communications (Enova) Enova Team: I'm excited to share news that we've signed a definitive agreement to acquire Grasshopper Bancorp, and its wholly owned subsidiary Grasshopper Bank N.A. This marks a signif

FORM OF VOTING AGREEMENT

Exhibit 10.1 FORM OF VOTING AGREEMENT This VOTING AGREEMENT (this “Agreement”) is made and entered into as of December 10, 2025, by and among Enova International, Inc., a Delaware corporation (“Enova”), Grasshopper Bancorp, Inc., a Delaware corporation (“Grasshopper”), and the undersigned stockholder [and director][and executive officer] of Grasshopper (each such undersigned, as to himself, hersel

GRASSHOPPER ANNOUNCEMENT EMPLOYEE FAQ

Filed by Enova International, Inc. pursuant to Rule 425 under the Securities Act of 1933, as amended Subject Company: Grasshopper Bancorp, Inc. Commission File Number: 001-35503 GRASSHOPPER ANNOUNCEMENT EMPLOYEE FAQ About the Announcement What was announced today? - Enova is acquiring Grasshopper Bank to create a powerful digital bank, uniting a leader in online consumer and small business lending

FORM OF VOTING AGREEMENT

Exhibit 10.1 FORM OF VOTING AGREEMENT This VOTING AGREEMENT (this “Agreement”) is made and entered into as of December 10, 2025, by and among Enova International, Inc., a Delaware corporation (“Enova”), Grasshopper Bancorp, Inc., a Delaware corporation (“Grasshopper”), and the undersigned stockholder [and director][and executive officer] of Grasshopper (each such undersigned, as to himself, hersel

Employee Email Communications (Grasshopper)

Filed by Enova International, Inc. pursuant to Rule 425 under the Securities Act of 1933, as amended Subject Company: Grasshopper Bancorp, Inc. Commission File Number: 001-35503 Employee Email Communications (Grasshopper) All, I have exciting news to share: after long and thoughtful consideration, we have agreed to join forces with Enova International, which will acquire Grasshopper Bank. This is

Corporate participants Conference Call Participants PRESENTATION Q&A

Filed by Enova International, Inc. pursuant to Rule 425 under the Securities Act of 1933, as amended Subject Company: Grasshopper Bancorp, Inc. Commission File Number: 001-35503 Enova International Update Call Event Date/Time: December 11, 2025 — 8:30 a.m. E.T. Length: 31 minutes Corporate participants Lindsay Savarese Enova International — Investor Relations David Fisher Enova International — Chi

Enova Announces Definitive Agreement to Acquire Grasshopper Bank Will Unite a Leading Online Consumer and Small Business Lender with a Dynamic Digital-First Bank

Exhibit 99.1 Enova Announces Definitive Agreement to Acquire Grasshopper Bank Will Unite a Leading Online Consumer and Small Business Lender with a Dynamic Digital-First Bank CHICAGO, December 11, 2025 - Enova International, Inc. (NYSE: ENVA) (“Enova”), a leading financial services company powered by machine learning and world-class analytics, today announced it has signed a definitive agreement t

ARTICLE 1 TRANSACTIONS AND TERMS OF MERGER ARTICLE 2 MANNER OF CONVERTING SHARES ARTICLE 3 EXCHANGE OF SHARES ARTICLE 4 REPRESENTATIONS AND WARRANTIES OF Grasshopper ARTICLE 5 REPRESENTATIONS AND WARRANTIES OF ENOVA ARTICLE 6 CONDUCT OF BUSINESS PEND

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER BY AND BETWEEN ENOVA INTERNATIONAL, INC. AND GRASSHOPPER BANCORP, INC. Dated as of December 10, 2025 TABLE OF CONTENTS ARTICLE 1 TRANSACTIONS AND TERMS OF MERGER 2 1.1. Merger. 2 1.2. Time and Place of Closing. 2 1.3. Effective Time. 2 1.4. Charter. 2 1.5. Bylaws. 3 1.6. Directors and Officers. 3 1.7. Bank Merger. 3 1.8. Other Core Transactions. 3 ARTICLE 2

Notices and Disclaimers

Exhibit 99.2 Notices and Disclaimers Non-GAAP Financial Information In addition to the financial information prepared in conformity with generally accepted accounting principles in the United States (“GAAP”), Enova International, Inc. (“Enova”) provides historical non-GAAP financial information. Enova presents non-GAAP financial information because such measures are used by management in understan

FORM 8-K Item 1.01 Entry Into a Material Definitive Agreement.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 24, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

FORM 8-K Item 1.01 Entry Into a Material Definitive Agreement.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 13, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

ENOVA ANNOUNCES NEW $400 MILLION SHARE REPURCHASE PROGRAM

Exhibit 99.1 ENOVA ANNOUNCES NEW $400 MILLION SHARE REPURCHASE PROGRAM CHICAGO, November 12, 2025 /PRNewswire/ - Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced that its Board of Directors has authorized a new share repurchase program totaling $400 million that expires June 30, 2027. Enova’s existing $300

FORM 8-K Item 8.01 Other Events.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 12, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

FORM 8-K Item 7.01 Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 05, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

Term Loan Delinquency Experience1,2

Exhibit 99.1 Delinquencies and Net Charge-Offs The following Supplemental Data provides historical information relating to (1) delinquency experience as of the dates indicated for a specific subset of OnDeck’s daily, weekly and monthly pay U.S. term loans and lines of credit (as indicated in the headings below), including both on-balance sheet loans and loans sold to investors, as further describe

FORM 8-K Item 7.01 Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 30, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissio

ARTICLE I ARTICLE II ARTICLE III ARTICLE V

Exhibiti 10.2 THIRD AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT AND JOINDER THIS THIRD AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT AND JOINDER (this “Amendment”), dated as of August 28, 2025, is made by and among ENOVA INTERNATIONAL, INC., a Delaware corporation (the “Parent”), certain wholly-owned Restricted Subsidiaries (as defined in the Credit Agreement defined below) of the Pare

I. DEFINITIONS II. LOAN, PAYMENTS, INTEREST AND COLLATERAL III. FEES AND OTHER CHARGES IV. CONDITIONS PRECEDENT V. REPRESENTATIONS AND WARRANTIES VI. AFFIRMATIVE COVENANTS VII. NEGATIVE COVENANTS VIII. EVENTS OF DEFAULT IX. RIGHTS AND REMEDIES AFTER

Exhibit 10.3 LOAN AND SECURITY AGREEMENT among NETCREDIT LOC RECEIVABLES 2025, LLC, a Delaware limited liability company as Borrower, BANC OF CALIFORNIA, as Administrative Agent BANC OF CALIFORNIA, as Initial Class A Lender OMAHA ABF V LLC, and OMAHA ABF VII LLC, each as an Initial Class B Lender and EACH OF THE OTHER LENDERS FROM TIME TO TIME PARTY HERETO, Dated as of July 17, 2025 TABLE OF CONTE

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova In

ENOVA INTERNATIONAL, INC. FOURTH AMENDED AND RESTATED 2014 LONG-TERM INCENTIVE PLAN AWARD AGREEMENT SPECIAL GRANT OF NONQUALIFIED STOCK OPTION WITH A LIMITED STOCK APPRECIATION RIGHT

Exhibit 10.1 ENOVA INTERNATIONAL, INC. FOURTH AMENDED AND RESTATED 2014 LONG-TERM INCENTIVE PLAN AWARD AGREEMENT SPECIAL GRANT OF NONQUALIFIED STOCK OPTION WITH A LIMITED STOCK APPRECIATION RIGHT This Fourth Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for a Special Grant of Nonqualified Stock Option with a Limited Stock Appreciation Right (the “Agreement”) is entered into by

Enova Reports Third Quarter 2025 Results

Exhibit 99.1 Enova Reports Third Quarter 2025 Results • Originations rose 22% and total company revenue increased 16% from the third quarter of 2024 • Diluted earnings per share of $3.03 increased 93% and adjusted earnings per share1 of $3.36 rose 37% compared to the third quarter of 2024 • Consolidated credit performance remained strong with a net charge-off ratio of 8.5% and net revenue margin o

FORM 8-K Item 2.02 Results of Operations and Financial Condition. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 23, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissio

144

144 0001315224 XXXXXXXX LIVE 0001529864 Enova International 001-35503 175 West Jackson Blvd Suite 600 Chicago IL 60604 3125684200 David Fisher Officer Common Merrill Lynch 110 N Wacker Dr, Ste 1900 Chicago IL 60606 35000 4270000 25012613 09/17/2025 NYSE Common 02/12/2019 Stock Option Enova International N 35000 02/12/2019 Stock Option N David Fisher 175 West Jackson Blvd, Ste 600 Chicago IL 60604 Common 06/20/2025 2000 196762.

144

144 0001315224 XXXXXXXX LIVE 0001529864 Enova International 001-35503 175 West Jackson Blvd Suite 600 Chicago IL 60604 3125684200 David Fisher Officer Common Merrill Lynch 110 N Wacker Dr, Ste 1900 Chicago IL 60606 6000 750000 25012613 09/19/2025 NYSE Common 02/12/2019 Stock Option Enova International N 6000 02/12/2019 Stock Option N David Fisher 175 West Jackson Blvd, Ste 600 Chicago IL 60604 Common 06/20/2025 2000 196762.

144

144 0001315224 XXXXXXXX LIVE 0001529864 Enova International, Inc. 001-35503 175 WEST JACKSON BLVD. SUITE 600 CHICAGO IL 60604 312-568-4200 Fisher David Officer Common Merrill Lynch 110 N Wacker Dr Ste 1900 Chicago IL 60606 20000 2420000.00 25012613 09/04/2025 NYSE Common 02/12/2019 Stock Options Enova International N 20000 02/12/2019 Stock Option N David Fisher 175 West Jackson Blvd, Suite 600 Chi

FORM 8-K Item 1.01 Entry Into a Material Definitive Agreement. Item 2.03 Creation of a Direct Financial Obligation or an Obligation Under an Off-Balance Sheet Arrangement of a Registrant.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 28, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission

144

144 0001315224 XXXXXXXX LIVE 0001529864 Enova International, Inc. 001-35503 175 WEST JACKSON BLVD. SUITE 600 CHICAGO IL 60604 312-568-4200 Fisher David Officer Common Merrill Lynch 110 N Wacker Dr Ste 1900 Chicago IL 60606 10000 1210000.00 25012613 08/29/2025 NYSE Common 02/12/2019 Stock Options Enova International N 10000 02/12/2019 Stock Option N David Fisher 175 West Jackson Blvd, Suite 600 Chi

144

144 0001621195 XXXXXXXX LIVE 0001529864 ENOVA INTERNATIONAL INC. 001-35503 175 West Jackson Blvd. Chicago, IL 60604 (312) 568-4200 SEAN RAHILLY Officer Common Morgan Stanley Smith Barney LLC Executive Financial Services 1 New York Plaza 8th Floor New York NY 10004 2965 363612.78 25012613 08/28/2025 NYSE Common 02/23/2019 Restricted Stock Issuer N 2965 02/23/2019 Not Applicable Y 08/28/2025 /s/ Sea

144

144 0001315224 XXXXXXXX LIVE 0001529864 Enova International, Inc. 001-35503 175 WEST JACKSON BLVD. SUITE 600 CHICAGO IL 60604 312-568-4200 Fisher David Officer Common Merrill Lynch 110 N Wacker Dr Ste 1900 Chicago IL 60606 15000 1815000.00 25012613 08/28/2025 NYSE Common 02/12/2019 Stock Options Enova International N 15000 02/12/2019 Stock Option N David Fisher 175 West Jackson Blvd, Suite 600 Chi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova Interna

Indenture, dated as of May 30, 2025, by and among NetCredit Combined Receivables A, LLC, as Issuer, and Citibank, N.A., as Indenture Trustee, Paying Agent, Note Registrar and Securities Intermediary

Exhibit 4.1 NETCREDIT COMBINED RECEIVABLES A, LLC as Issuer and CITIBANK, N.A. as Indenture Trustee, Paying Agent, Note Registrar and Securities Intermediary INDENTURE DATED AS OF May 30, 2025 TABLE OF CONTENTS Page Article I DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION Section 1.01 Definitions 2 Section 1.02 Compliance Certificates and Opinions 2 Section 1.03 Form of Documents Delivere

FORM 8-K Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. Appointment of Chief Executive Officer Election of Director Appointment of Chief Fin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission F

FORM 8-K Item 2.02 Results of Operations and Financial Condition. Item 9.01 Financial Statements and Exhibits.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission F

Enova Announces Planned Key Senior Leadership Changes David Fisher, Chairman of the Board and CEO, to become Executive Chairman, effective January 1, 2026 Steve Cunningham, CFO, to become CEO, effective January 1, 2026 Scott Cornelis, Treasurer and V

Exhibit 99.1 Enova Announces Planned Key Senior Leadership Changes David Fisher, Chairman of the Board and CEO, to become Executive Chairman, effective January 1, 2026 Steve Cunningham, CFO, to become CEO, effective January 1, 2026 Scott Cornelis, Treasurer and VP of Finance, to become CFO, effective January 1, 2026 CHICAGO, July 24, 2025 /PRNewswire/ - Enova International (NYSE: ENVA), a leading

Enova Reports Second Quarter 2025 Results

Exhibit 99.1 Enova Reports Second Quarter 2025 Results • Originations rose 28% and total company revenue increased 22% from the second quarter of 2024 • Diluted earnings per share of $2.86 increased 48% and adjusted earnings per share1 of $3.23 rose 46% compared to the second quarter of 2024 • Consolidated credit performance remained strong with a net charge-off ratio of 8.1% and net revenue margi

FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 17, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission F

FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 30, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission Fi

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission Fi

FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 14, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission Fi

Series 2025-1 Indenture Supplement, dated as of March 20, 2025, to Base Indenture dated as of July 27, 2023 and amended as of March 20, 2025, by and between OnDeck Asset Securitization IV, LLC, as Issuer, and Deutsche Bank Trust Company Americas, as Indenture Trustee, of up to $261,392,000 of Asset Backed Notes

Exhibit 4.1 ONDECK ASSET SECURITIZATION IV, LLC, as Issuer and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Indenture Trustee SERIES 2025-1 INDENTURE SUPPLEMENT dated as of March 20, 2025 to BASE INDENTURE dated as of July 27, 2023 and amended as of March 20, 2025 Up to $261,392,000 of Asset Backed Notes Table of Contents Page PRELIMINARY STATEMENT 1 DESIGNATION 1 ARTICLE I DEFINITIONS 1 ARTICLE II AR

Amendment No. 8 to Credit Agreement, dated as of March 20, 2025, among OnDeck Receivables 2021, LLC, various lenders, and JPMorgan Chase Bank, N.A., as Administrative Agent and Collateral Agent, and Deutsche Bank Trust Company Americas, as Paying Agent

Exhibit 10.1 Amendment No. 8 to Credit Agreement This Amendment No. 8 to Credit Agreement (this “Amendment”) is entered into as of March 17, 2025, by and among OnDeck Receivables 2021, LLC, a Delaware limited liability company, as company (the “Borrower”), the lenders from time to time parties hereto (the “Lenders”), JPMorgan Chase Bank, N.A., as administrative agent and collateral agent for the L

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova Intern

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission

First Supplement to the Base Indenture, dated as of March 20, 2025, between OnDeck Asset Securitization IV, LLC, as Issuer, and Deutsche Bank Trust Company Americas, as Indenture Trustee

Exhibit 4.2 ONDECK ASSET SECURITIZATION IV, LLC, as Issuer, and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Indenture Trustee FIRST SUPPLEMENT Dated as of March 20, 2025 to the BASE INDENTURE Dated as of July 27, 2023 FIRST SUPPLEMENT TO BASE INDENTURE FIRST SUPPLEMENT TO THE BASE INDENTURE, dated as of March 20, 2025 (this “First Supplement”), between ONDECK ASSET SECURITIZATION IV, LLC, a Delaware

Enova Reports First Quarter 2025 Results

Exhibit 99.1 Enova Reports First Quarter 2025 Results • Originations rose 26% and total company revenue increased 22% from the first quarter of 2024 • Diluted earnings per share of $2.69 increased 64% and adjusted earnings per share1 of $2.98 rose 56% compared to the first quarter of 2024 • Credit performance remained strong compared to a year ago with a stable net charge-off ratio of 8.6% and sta

ARS

ȘȘȑ MILLION CUSTOMERS SERVED Our Mission Helping hardworking people get access to fast, trustworthy credit.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a party other than the Registrant  Check the appropriate box:  Preliminary Proxy Statement  Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ⊠ Filed by a party other than the Registrant  Check the appropriate box:  Preliminary Proxy Statement  Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ⊠ Defin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 20, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 13, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 07, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission

Term Loan Delinquency Experience1, 2

Exhibit 99.1 Delinquencies and Net Charge-Offs The following Supplemental Data provides historical information relating to (1) delinquency experience as of the dates indicated for a specific subset of OnDeck’s daily, weekly and monthly pay U.S. term loans and lines of credit (as indicated in the headings below), including both on-balance sheet loans and loans sold to investors, as further describe

Form of Enova International, Inc. Fourth Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for Grant of Restricted Stock Units*

Eshibit 10.14 ENOVA INTERNATIONAL, INC. FOURTH AMENDED AND RESTATED 2014 LONG-TERM INCENTIVE PLAN AWARD AGREEMENT FOR GRANT OF RESTRICTED STOCK UNITS This Fourth Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for Grant of Restricted Stock Units (the “Agreement”) is entered into by and between Enova International, Inc. (the “Company”) and the “Associate” detailed below: %%FIRSTN

First Amendment to Indenture, dated as of August 9, 2024, by and between NetCredit Combined Receivables 2023, LLC and Citibank, N.A., as Indenture Trustee, Securities Intermediary, Note Registrar and Paying Agent

Exhibit 4.12 FIRST AMENDMENT TO INDENTURE THIS FIRST AMENDMENT TO INDENTURE (this “First Amendment”), dated as of August 9, 2024, is by and between NETCREDIT COMBINED RECEIVABLES 2023, LLC, a Delaware limited liability company (“Issuer”), and CITIBANK, N.A., not in its individual capacity but solely in its capacity as the indenture trustee (the Indenture Trustee”), as the initial securities interm

Series 2024-2 Indenture Supplement, dated as of October 2, 2024, to Base Indenture dated as of July 27, 2023, by and between OnDeck Asset Securitization IV, LLC, as Issuer, and Deutsche Bank Trust Company Americas, as Indenture Trustee, of up to $261,353,000 of Asset Backed Notes

Exhibit 4.10 ONDECK ASSET SECURITIZATION IV, LLC, as Issuer and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Indenture Trustee SERIES 2024-2 INDENTURE SUPPLEMENT dated as of October 2, 2024 to BASE INDENTURE dated as of July 27, 2023 Up to $441,685,000 of Asset Backed Notes 49672489v3 Table of Contents Page PRELIMINARY STATEMENT 1 DESIGNATION 1 ARTICLE I DEFINITIONS 1 ARTICLE II ARTICLE 5 OF THE BASE

Amendment No. 10 to Fourth Amended and Restated Credit Agreement and Omnibus Amendment, dated as of November 18, 2024, among Receivable Assets of OnDeck, LLC, as Borrower, Vervent Inc., as Backup Servicer, the lenders party thereto from time to time, Computershare Trust Company, National Association, as Custodian and Collateral Agent, and Truist Bank, as Administrative Agent

Exhibit 10.42 AMENDMENT NO. 10 TO FOURTH AMENDED AND RESTATED CREDIT AGREEMENT AND OMNIBUS AMENDMENT This AMENDMENT NO. 10 TO FOURTH AMENDED AND RESTATED CREDIT AGREEMENT (this “Amendment”) dated as of November 18, 2024, is entered into by and among RECEIVABLE ASSETS OF ONDECK, LLC, a Delaware limited liability company (“Company”), ON DECK CAPITAL, INC., a Delaware corporation, ODK CAPITAL, LLC, a

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova International, Inc. (E

Fourth Amendment to Loan and Security Agreement, dated as of December 21, 2022, by and between EFR 2018-1, LLC and Pacific Western Bank, as Administrative, Payment and Collateral Agent

Exhibit 10.43 FOURTH AMENDMENT TO LOAN AND SECURITY AGREEMENT THIS FOURTH AMENDMENT TO LOAN AND SECURITY AGREEMENT (this “Amendment”), dated as of December 21, 2022, is entered into by and among EFR 2018-1, LLC, a Delaware limited liability company (“Borrower”), each of the Lenders (as defined in the Loan Agreement) signatory hereto, and PACIFIC WESTERN BANK, as administrative, payment and collate

Enova International, Inc. Policy for The Recovery of Erroneously Awarded Incentive Compensation

Exhibit 97.1 ENOVA INTERNATIONAL, INC. POLICY FOR THE RECOVERY OF ERRONEOUSLY AWARDED incentive COMPENSATION A. Introduction This policy has been adopted by the Board of Directors (the “Board”) of Enova International, Inc. (the “Company”) to provide for the recovery of any erroneously awarded incentive-based compensation from executive officers of the Company in the event of an accounting restatem

Fifth Amendment and Limited Waiver and Consent to Loan and Security Agreement, dated as of May 22, 2024, by and among EFR 2018-1, LLC , each of the Lenders signatory thereto and Ares Agent Services, L.P., as Administrative, Payment and Collateral Agent

Exhibit 10.44 FIFTH AMENDMENT AND LIMITED WAIVER AND CONSENT TO LOAN AND SECURITY AGREEMENT THIS FIFTH AMENDMENT AND LIMITED WAIVER AND CONSENT TO LOAN AND SECURITY AGREEMENT (this “Amendment”), dated as of May 22, 2024, is entered into by and among EFR 2018-1, LLC, a Delaware limited liability company (“Borrower”), each of the Lenders (as defined in the Loan Agreement) signatory hereto, and ARES

Subsidiaries of Enova International, Inc.

Exhibit 21.1 Subsidiaries of Enova International, Inc. The following is a list of subsidiaries of Enova International, Inc. as of February 18, 2025: Entity Name Jurisdiction of Incorporation/Organization Direct Ownership % ├─┬─ Debit Plus, LLC Delaware 100.00% │ ├─── Debit Plus Payment Solutions, LLC Delaware 100.00% │ ├─── Debit Plus Services, LLC Delaware 100.00% │ └─── Debit Plus Technologies,

Enova International, Inc. Insider Trading Policy

Exhibit 19.1 ENOVA INTERNATIONAL, INC. INSIDER TRADING POLICY Need for a Statement of Policy U.S. federal and state securities laws prohibit the purchase or sale of securities of a company while aware of material nonpublic information about that company. These laws also prohibit the disclosure of material nonpublic information about a company to others (referred to as “tipping”) who may then trade

First Amendment to Indenture, dated as of July 31, 2024, by and between NetCredit Combined Receivables 2024, LLC and Citibank, N.A., as Indenture Trustee, Securities Intermediary, Note Registrar and Paying Agent

Exhibit 4.11 FIRST AMENDMENT TO INDENTURE THIS FIRST AMENDMENT TO INDENTURE (this “First Amendment”), dated as of July 31, 2024, is by and between NETCREDIT COMBINED RECEIVABLES 2024, LLC, a Delaware limited liability company (“Issuer”), and CITIBANK, N.A., not in its individual capacity but solely in its capacity as the indenture trustee (the Indenture Trustee”), as the initial securities interme

Second Amendment to Note Issuance and Purchase Agreement among NetCredit Receivables 2022, LLC as Issuer, Citibank, N.A. as Collateral Agent and Paying Agent, Jefferies Funding LLC as Administrative Agent and Initial Note Purchaser, Citibank, N.A., as Collateral Agent and Paying Agent, and the note purchasers from time to time party thereto, as dated as of October 15, 2024

Exhibit 10.41 SECOND AMENDMENT TO NOTE ISSUANCE AND PURCHASE AGREEMENT THIS SECOND AMENDMENT TO NOTE ISSUANCE AND PURCHASE AGREEMENT (this “Amendment”), dated as of October 15, 2024, is entered into by and among NetCredit Receivables 2022, LLC, a Delaware limited liability company (“Issuer”), Jefferies Funding LLC (“Jefferies”), as sole note purchaser (in such capacity, the “Requisite Note Purchas

Form of Enova International, Inc. Fourth Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for Special Grant of Nonqualified Stock Option with a Limited Stock Appreciation Right*

Exhibit 10.16 ENOVA INTERNATIONAL, INC. FOURTH AMENDED AND RESTATED 2014 LONG-TERM INCENTIVE PLAN AWARD AGREEMENT SPECIAL GRANT OF NONQUALIFIED STOCK OPTION WITH A LIMITED STOCK APPRECIATION RIGHT This Fourth Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for a Special Grant of Nonqualified Stock Option with a Limited Stock Appreciation Right (the “Agreement”) is entered into b

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 04, 2025 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

Enova Reports Fourth Quarter and Full Year 2024 Results

Exhibit 99.1 Enova Reports Fourth Quarter and Full Year 2024 Results • Originations rose 20% and total company revenue increased 25% from the fourth quarter of 2023 • Diluted earnings per share of $2.30 increased 104% and adjusted earnings per share1 of $2.61 rose 43% compared to the fourth quarter of 2023 • Net revenue margin of 57% in the fourth quarter of 2024, compared to 56% in the fourth qua

Entry into a Material Definitive Agreement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 18, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

Omnibus Amendment - Amendment No. 1 to Credit Agreement and Amendment to Security Agreement, dated as of September 18, 2024, among HWC Receivables 2023, LLC, as company, the lenders party thereto, Headway Capital, LLC, as originator, Enova International, Inc., as performance guarantor, and BNP Paribas, as administrative agent and as collateral agent

Exhibit 10.2 Omnibus Amendment – Amendment No. 1 to Credit Agreement and Amendment to Security Agreement This Omnibus Amendment – Amendment No. 1 to Credit Agreement and Amendment to Security Agreement (this “Amendment”) is entered into as of September 18, 2024, by and among HWC Receivables 2023, LLC, a Delaware limited liability company, as company (“Company”), the lenders parties hereto (the “Le

Second Amendment to Amended and Restated Credit Agreement among Enova International, Inc., as a Borrower and the Parent, certain restricted subsidiaries of the Parent from time to time party thereto, as Borrowers, certain restricted subsidiaries of the Parent from time to time party thereto, as Guarantors, the Lenders party thereto, and Bank of Montreal, as Administrative Agent and Collateral Agent, dated as of September 11, 2024

Exhibit 10.1 SECOND AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT THIS SECOND AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (this “Amendment”), dated as of September 11, 2024, is made by and among ENOVA INTERNATIONAL, INC., a Delaware corporation (the “Parent”), certain wholly-owned Restricted Subsidiaries (as defined in the Credit Agreement defined below) of the Parent party hereto as b

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova In

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissio

Enova Reports Third Quarter 2024 Results

Exhibit 99.1 Enova Reports Third Quarter 2024 Results • Strong top-line growth with total company revenue increasing 25% and originations increasing 28% from the third quarter of 2023 • Diluted earnings per share of $1.57 increased 22% and adjusted earnings per share of $2.45 increased 63% compared to the third quarter of 2023 • Credit performance remained strong compared to a year ago with lower

Entry into a Material Definitive Agreement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 15, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissio

Entry into a Material Definitive Agreement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): October 2, 2024 ENOVA INTERNATIONAL, INC. (Exact name of registrant as specified in its charter) Delaware 1-35503 45-3190813 (State or other jurisdiction of incorporation) (Commission

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): September 24, 2024 ENOVA INTERNAT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): September 24, 2024 ENOVA INTERNATIONAL, INC. (Exact name of registrant as specified in its charter) Delaware 1-35503 45-3190813 (State or other jurisdiction of incorporation) (Commiss

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 18, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commiss

Term Loan Cumulative Net Charge-Off Experience5 Origination Vintages (based on calendar year or quarter): Overall 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 2021 2020 2019 2018 Number of Loans Originated 5,999 6,545 6,841 6,193 5,429 5,537

Exhibit 99.1 Delinquencies and Net Charge-Offs The following Supplemental Data provides historical information relating to (1) delinquency experience as of the dates indicated for a specific subset of OnDeck’s daily, weekly and monthly pay U.S. term loans and lines of credit (as indicated in the headings below), including both on-balance sheet loans and loans sold to investors, as further describe

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): September 17, 2024 ENOVA INTERNATIONAL, INC. (Exact name of registrant as specified in its charter) Delaware 1-35503 45-3190813 (State or other jurisdiction of incorporation) (Commiss

Entry into a Material Definitive Agreement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 11, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commiss

ENOVA ANNOUNCES NEW $300 MILLION SHARE REPURCHASE PROGRAM

Exhibit 99.2 ENOVA ANNOUNCES NEW $300 MILLION SHARE REPURCHASE PROGRAM CHICAGO, Aug. 12, 2024 /PRNewswire/ — Enova International, Inc. (NYSE: ENVA) (“Enova” or the “Company”), a leading financial services company powered by machine learning and world-class analytics, today announced that its Board of Directors has authorized a new share repurchase program totaling $300 million that expires Decembe

Indenture, dated as of August 12, 2024, by and among Enova International, Inc., each of the guarantors party thereto and Computershare Trust Company, N.A., as trustee, and the Form of 9.125% Senior Note due 2029 (included as Exhibit A) (incorporated by reference to Exhibit 4.1 to the Company’s Form 8-K filed on August 12, 2024)

Exhibit 4.1 ENOVA INTERNATIONAL, INC. as Issuer the Guarantors party hereto and COMPUTERSHARE TRUST COMPANY, N.A. as Trustee Indenture Dated as of August 12, 2024 9.125% Senior Notes due 2029 TABLE OF CONTENTS PAGE ARTICLE 1 DEFINITIONS AND INCORPORATION BY REFERENCE Section 1.01. Definitions 1 Section 1.02. Rules of Construction 30 ARTICLE 2 THE NOTES Section 2.01. Form, Dating and Denominations

Entry into a Material Definitive Agreement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 12, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission

ENOVA ANNOUNCES CLOSING OF $500.0 MILLION OF SENIOR UNSECURED NOTES DUE 2029

Exhibit 99.1 ENOVA ANNOUNCES CLOSING OF $500.0 MILLION OF SENIOR UNSECURED NOTES DUE 2029 CHICAGO, Aug. 12, 2024 /PRNewswire/ — Today, Enova International, Inc. (NYSE: ENVA) (“Enova” or the “Company”), a leading financial services company powered by machine learning and world-class analytics, issued $500 million in aggregate principal amount of Senior Notes due 2029 (the “Notes”). The Notes were o

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 07, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission

Enova Announces New Board Member Lindsay Corby

Exhibt 99.1 Enova Announces New Board Member Lindsay Corby CHICAGO, August 7, 2024 /PRNewswire/ - Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, announced today that Lindsay Corby will join Enova’s Board of Directors, effective immediately. “We are excited to welcome Lindsay to Enova’s Board,” said David Fisher, Enova C

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission F

Enova International, Inc. Announces Cash Tender Offer and Consent Solicitation

Exhibit 99.2 Enova International, Inc. Announces Cash Tender Offer and Consent Solicitation July 29, 2024 CHICAGO – July 29, 2024 /PRNewswire/ — Enova International, Inc. (NYSE: ENVA) (“Enova” or the “Company”) announced today that it has commenced a cash tender offer (the “Tender Offer”) for any and all of the outstanding U.S.$375,000,000 aggregate principal amount of its 8.500% Senior Notes due

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission F

ENOVA ANNOUNCES PRIVATE OFFERING OF $400.0 MILLION OF SENIOR NOTES DUE 2029

Exhibit 99.1 ENOVA ANNOUNCES PRIVATE OFFERING OF $400.0 MILLION OF SENIOR NOTES DUE 2029 CHICAGO – July 29, 2024/PRNewswire/ — Enova International, Inc. (NYSE: ENVA) (“Enova” or the “Company”) today announced that it intends to offer, subject to market and other customary conditions, $400.0 million in aggregate principal amount of senior notes due 2029 (the “Notes”). The Notes will be guaranteed,

Series 2024-1 Indenture Supplement, dated as of May 17, 2024, to Base Indenture dated as of July 23, 2023, by and between OnDeck Asset Securitization IV, LLC, as Issuer, and Deutsche Bank Trust Company Americas, as Indenture Trustee, of up to $500,149,970 of Asset Backed Notes

Exhibit 4.2 ONDECK ASSET SECURITIZATION IV, LLC, as Issuer and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Indenture Trustee SERIES 2024-1 INDENTURE SUPPLEMENT dated as of May 17, 2024 to BASE INDENTURE dated as of July 27, 2023 Up to $500,149,970 of Asset Backed Notes Table of Contents Page PRELIMINARY STATEMENT 1 DESIGNATION 1 ARTICLE I DEFINITIONS 1 ARTICLE II ARTICLE 5 OF THE BASE INDENTURE 23 Se

Indenture, dated as of May 31, 2024, by and among NetCredit Combined Receivables 2024, LLC, as Issuer, and Citibank, N.A., as Indenture Trustee, Paying Agent, Note Registrar and Securities Intermediary

Exhibit 4.1 NETCREDIT COMBINED RECEIVABLES 2024, LLC as Issuer and CITIBANK, N.A. as Indenture Trustee, Paying Agent, Note Registrar and Securities Intermediary INDENTURE DATED AS OF May 31, 2024 TABLE OF CONTENTS Page Article I DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION Section 1.01 Definitions 2 Section 1.02 Compliance Certificates and Opinions 2 Section 1.03 Form of Documents Deliv

Omnibus Amendment - Amendment No. 2 to Credit Agreement, Amendment to Backup Servicing Agreement and Reaffirmation of Performance Guaranty, dated as of June 27, 2024, by and among OnDeck Receivables 2022, LLC, various lenders, BMO Capital Markets Corp., as Administrative Agent and Collateral Agent, ODK Capital, LLC, as Servicer, Vervent Inc., as Backup Servicer, and Enova International, Inc., as Performance Guarantor

Exhibit 10.1 Omnibus Amendment – Amendment No. 2 to Credit Agreement, Amendment to Backup Servicing Agreement and Reaffirmation of Performance Guaranty This Omnibus Amendment – Amendment No. 2 to Credit Agreement, Amendment to Backup Servicing Agreement and Reaffirmation of Performance guaranty (this “Amendment”) is entered into as of June 27, 2024, by and among OnDeck Receivables 2022, LLC, a Del

Indenture, dated as of March 3, 2023, by and among NetCredit Combined Receivables 2023, LLC, as Issuer, and Citibank, N.A., as Indenture Trustee, Paying Agent, Note Registrar and Securities Intermediary

Exhibit 4.3 NETCREDIT COMBINED RECEIVABLES 2023, LLC as Issuer and CITIBANK, N.A. as Indenture Trustee, Paying Agent, Note Registrar and Securities Intermediary INDENTURE DATED AS OF March 3, 2023 TABLE OF CONTENTS Page Article I DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION Section 1.01 Definitions 2 Section 1.02 Compliance Certificates and Opinions 2 Section 1.03 Form of Documents Deli

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova Interna

Enova Reports Second Quarter 2024 Results

Exhibit 99.1 Enova Reports Second Quarter 2024 Results • Total revenue increased 26% from the second quarter of 2023 to $628 million • Diluted earnings per share and adjusted earnings per share increased 29% and 28% from the second quarter of 2023 to $1.93 and $2.21, respectively • Total company combined loans and finance receivables increased 25% from the end of second quarter of 2023 to a record

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 23, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission F

Filing Fee Table

Exhibit 107 CALCULATION OF REGISTRATION FEE Form S-8 Enova International, Inc. Table 1 - Newly Registered Securities Security type Title of securities to be registered Fee calculation rule Amount to be registered (1) Proposed maximum offering price per share (2)(3) Proposed maximum aggregate offering price (2)(3) Fee rate Amount of registration fee (3) Equity Common Stock, par value $0.00001 per s

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 ENOVA INTERNATIONAL, INC. (Exact name of registrant as specified in its charter)

As filed with the Securities and Exchange Commission on July 10, 2024 Registration No.

Entry into a Material Definitive Agreement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 27, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission F

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission Fi

Entry into a Material Definitive Agreement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): May 17, 2024 ENOVA INTERNATIONAL, INC. (Exact name of registrant as specified in its charter) Delaware 1-35503 45-3190813 (State or other jurisdiction of incorporation) (Commission Fi

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): May 9, 2024 ENOVA INTERNATIONAL, INC. (Exact name of registrant as specified in its charter) Delaware 1-35503 45-3190813 (State or other jurisdiction of incorporation) (Commission Fil

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 08, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission Fi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): May 6, 2024 ENOVA INTERNATIONAL,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): May 6, 2024 ENOVA INTERNATIONAL, INC. (Exact name of registrant as specified in its charter) Delaware 1-35503 45-3190813 (State or other jurisdiction of incorporation) (Commission Fil

Term Loan Delinquency Experience1, 2 2/29/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 Number of Term Loans Outstanding 21,257 20,443 18,026 11,951 10,473 19,576 21,116 Aggregate Unpaid Principal Balance $ 1,141,299,274 $ 1,

EX-99.1 Exhibit 99.1 Delinquencies and Net Charge-Offs The following Supplemental Data provides historical information relating to (1) delinquency experience as of the dates indicated for a specific subset of OnDeck’s daily, weekly and monthly pay U.S. term loans and lines of credit (as indicated in the headings below), including both on-balance sheet loans and loans sold to investors, as further

Note Issuance and Purchase Agreement among NetCredit LOC Receivables 2024, LLC as Issuer, Citibank, N.A. as Collateral Agent and Paying Agent, each of the note purchasers listed on Schedule I thereto as Initial Note Purchasers, each of the other note purchasers from time to

Exhibit 10.1 NOTE ISSUANCE AND PURCHASE AGREEMENT among NETCREDIT LOC RECEIVABLES 2024, LLC, a Delaware limited liability company, as Issuer, CITIBANK, N.A., as Collateral Trustee and Paying Agent EACH OF THE NOTE PURCHASERS LISTED ON SCHEDULE I HERETO, as Initial Note Purchasers EACH OF THE OTHER NOTE PURCHASERS FROM TIME TO TIME PARTY HERETO, and MIDTOWN MADISON MANAGEMENT LLC, as Administrative

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova Intern

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 23, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission

Enova Reports First Quarter 2024 Results

Exhibit 99.1 Enova Reports First Quarter 2024 Results • Total revenue increased 26% from the first quarter of 2023 to $610 million • Diluted earnings per share and adjusted earnings per share increased 5% and 7% from the first quarter of 2023 to $1.64 and $1.91, respectively • Total company combined loans and finance receivables increased 23% from the end of first quarter of 2023 to a record $3.5

ARS

OVER 9.5 MILLION CUSTOMERS SERVED SOLID CREDIT QUALITY ACROSS PORTFOLIO MISSION Helping hardworking people get access to fast, trustworthy credit. Dear Fellow Shareholders, Enova again produced strong financial performance in 2023. Our diversified product offerings, world-class machine-learning analytics and technology, and talented team of nearly 1,700 drove a record-breaking year for loan origin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ⊠ Filed by a party other than the Registrant  Check the appropriate box:  Preliminary Proxy Statement  Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ⊠ Defin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a party other than the Registrant  Check the appropriate box:  Preliminary Proxy Statement  Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

Enova International, Inc. Policy for The Recovery of Erroneously Awarded Incentive Compensation

Exhibit 97.1 ENOVA INTERNATIONAL, INC. POLICY FOR THE RECOVERY OF ERRONEOUSLY AWARDED incentive COMPENSATION A. Introduction This policy has been adopted by the Board of Directors (the “Board”) of Enova International, Inc. (the “Company”) to provide for the recovery of any erroneously awarded incentive-based compensation from executive officers of the Company in the event of an accounting restatem

Form of Enova International, Inc. Third Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for Special Grant of Nonqualified Stock Option with a Limited Stock Appreciation Right

Exhibit 10.15 ENOVA INTERNATIONAL, INC. THIRD AMENDED AND RESTATED 2014 LONG-TERM INCENTIVE PLAN AWARD AGREEMENT SPECIAL GRANT OF NONQUALIFIED STOCK OPTION WITH A LIMITED STOCK APPRECIATION RIGHT This Third Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for a Special Grant of Nonqualified Stock Option with a Limited Stock Appreciation Right (the “Agreement”) is entered into by

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova International, Inc. (E

Subsidiaries of Enova International, Inc.

Exhibit 21.1 Subsidiaries of Enova International, Inc. The following is a list of subsidiaries of Enova International, Inc. as of February 23, 2024: Entity Name Jurisdiction of Incorporation/Organization Direct Ownership % ├─┬─ Debit Plus, LLC Delaware 100.00% │ ├─── Debit Plus Payment Solutions, LLC Delaware 100.00% │ ├─── Debit Plus Services, LLC Delaware 100.00% │ └─── Debit Plus Technologies,

Amendment No. 7 to Credit Agreement, dated November 15, 2023, among OnDeck Receivables 2021, LLC, various lenders, and JPMorgan Chase Bank, N.A., as Administrative Agent and Collateral Agent and Deutsche Bank Trust Company Americas, as Paying Agent

Exhibit 10.44 Amendment No. 7 to Credit Agreement This Amendment No. 7 to Credit Agreement (this “Amendment”) is entered into as of November 15, 2023, by and among OnDeck Receivables 2021, LLC, a Delaware limited liability company, as company (the “Borrower”), the lenders from time to time parties hereto (the “Lenders”), JPMorgan Chase Bank, N.A., as administrative agent and collateral agent for t

Supplemental Indenture, dated as of October 4, 2023 to Indenture dated as of September 19, 2018, by and among Enova International, Inc., each of the guarantors party thereto and Computershare Trust Company, N.A., as trustee of 8.500% Senior Notes due 2025

Exhibit 4.9 ENOVA INTERNATIONAL, INC., as Issuer, GUARANTORS PARTY HERETO and COMPUTERSHARE TRUST COMPANY, N.A., as Trustee SUPPLEMENTAL INDENTURE Dated as of October 4, 2023 to Indenture Dated as of September 19, 2018 8.500% Senior Notes due 2025 This SECOND SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of October 4, 2023, is entered into by and among ENOVA INTERNATIONAL, INC.,

Form of Enova International, Inc. Third Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for Grant of Restricted Stock Units

Exhibit 10.14 ENOVA INTERNATIONAL, INC. THIRD AMENDED AND RESTATED 2014 LONG-TERM INCENTIVE PLAN AWARD AGREEMENT FOR GRANT OF RESTRICTED STOCK UNITS This Third Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for Grant of Restricted Stock Units (the “Agreement”) is entered into by and between Enova International, Inc. (the “Company”) and the “Associate” detailed below %%FIRSTNAME

First Amendment to Amended and Restated Credit Agreement among Enova International, Inc., as a Borrower and the Parent, certain restricted subsidiaries of the Parent from time to time party hereto, as Borrowers, certain restricted subsidiaries of the Parent from time to time party hereto, as Guarantors, the Lenders party hereto, and Bank of Montreal, as Administrative Agent and Collateral Agent dated as of October 19, 2023

Exhibit 10.43 FIRST AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT THIS FIRST AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (this “Amendment”), dated as of October 19, 2023, is made by and among ENOVA INTERNATIONAL, INC., a Delaware corporation (the “Parent”), certain wholly-owned Restricted Subsidiaries (as defined in the Credit Agreement defined below) of the Parent party hereto as borr

ENVA / Enova International, Inc. / 683 Capital Management, LLC - 683 CAPITAL MANAGEMENT, LLC Passive Investment

SC 13G/A 1 envaa421424.htm 683 CAPITAL MANAGEMENT, LLC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4)* Enova International, Inc. (Name of Issuer) Common Stock, $.00001 par value per share (Title of Class of Securities) 29357K103 (CUSIP Number) December 31, 2023 (Date of Event which Requires Filing of

ENVA / Enova International, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv0847-enovainternationalinc.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 6)* Name of issuer: Enova International Inc Title of Class of Securities: Common Stock CUSIP Number: 29357K103 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to

ENVA / Enova International, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* Enova International Inc (Name of Issuer) Common Stock (Title of Class of Securities) 29357K103 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate bo

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2024 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissio

Enova Reports Fourth Quarter and Full Year 2023 Results

Exhibit 99.1 Enova Reports Fourth Quarter and Full Year 2023 Results • Total revenue increased 20% from the fourth quarter of 2022 to $584 million • Diluted earnings per share totaled $1.13 and adjusted earnings per share totaled $1.83 • Total company combined loans and finance receivables increased 16% from the end of fourth quarter of 2022 to $3.3 billion as total company originations reached a

ENVA / Enova International, Inc. / BlackRock Inc. Passive Investment

SC 13G/A 1 us29357k1034011924.txt us29357k1034011924.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 2) ENOVA INTERNATIONAL INC - (Name of Issuer) Common Stock - (Title of Class of Securities) 29357K103 - (CUSIP Number) December 31, 2023 - (Date of Event Which Requires Filing of this Statement) Check the appropriat

Indenture, dated as of December 6, 2023, by and among Enova International, Inc., each of the guarantors party thereto and Computershare Trust Company, N.A., as trustee and the Form of 11.25% Senior Note due 2028 (included as Exhibit A).

Exhibit 4.1 ENOVA INTERNATIONAL, INC. as Issuer the Guarantors party hereto and COMPUTERSHARE TRUST COMPANY, N.A. as Trustee Indenture Dated as of December 6, 2023 11.25% Senior Notes due 2028 Exhibit 4.1 TABLE OF CONTENTS Page Article 1 Definitions and Incorporation by Reference Section 1.01. Definitions 1 Section 1.02. Rules of Construction 30 Article 2 The Notes Section 2.01. Form, Dating and D

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 06, 2023 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

ENOVA ANNOUNCES CLOSING OF $400.0 MILLION OF SENIOR UNSECURED NOTES DUE 2028

Exhibit 99.1 ENOVA ANNOUNCES CLOSING OF $400.0 MILLION OF SENIOR UNSECURED NOTES DUE 2028 CHICAGO, Dec. 6, 2023 /PRNewswire/ - Today, Enova International, Inc. (NYSE: ENVA) (the "Company"), a leading financial technology company powered by machine learning and world-class analytics, issued $400 million in aggregate principal amount of Senior Notes due 2028 (the "Notes"). The Notes were purchased a

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 05, 2023 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 04, 2023 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

ENOVA ANNOUNCES PRIVATE OFFERING OF $400.0 MILLION OF SENIOR NOTES DUE 2028

Exhibit 99.1 ENOVA ANNOUNCES PRIVATE OFFERING OF $400.0 MILLION OF SENIOR NOTES DUE 2028 CHICAGO – December 4, 2023/PRNewswire/ - Enova International, Inc. (NYSE: ENVA) (“Enova”) today announced that it intends to offer, subject to market and other customary conditions, $400.0 million in aggregate principal amount of senior notes due 2028 (the “Notes”). The Notes will be guaranteed, jointly and se

Entry into a Material Definitive Agreement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 15, 2023 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 15, 2023 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

Enova Reaches Agreement with CFPB on Consumer Loan Processing Errors Errors have been addressed and a settlement, aligned with current Enova business practices, has been reached

Exhibit 99.1 Enova Reaches Agreement with CFPB on Consumer Loan Processing Errors Errors have been addressed and a settlement, aligned with current Enova business practices, has been reached CHICAGO, November 15, 2023 /PRNewswire/ - Enova International, Inc. (NYSE: ENVA), a leading financial technology company powered by machine learning and world-class analytics, announced today that it has reach

Base Indenture, dated as of July 27, 2023, by and between OnDeck Asset Securitization IV, LLC, as Issuer and Deutsche Bank Trust Company Americas, as Indenture Trustee of Asset Backed Notes (Issuable in Series of Notes)

Exhibit 4.1 OnDeck Asset Securitization IV, LLC, as Issuer and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Indenture Trustee BASE INDENTURE Dated as of July 27, 2023 Asset Backed Notes (Issuable in Series of Notes) TABLE OF CONTENTS Page ARTICLE 1. DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 1.1. Definitions. 1 Section 1.2. Cross-References. 1 Section 1.3. Accounting and Financial Determinat

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova In

Series 2023-1 Indenture Supplement dated as of July 27, 2023 to Base Indenture dated as of July 27, 2023, by and between OnDeck Asset Securitization IV, LLC, as Issuer and Deutsche Bank Trust Company Americas, as Indenture Trustee of up to $378,417,000 of Asset Backed Notes

Exhibit 4.2 ONDECK ASSET SECURITIZATION IV, LLC, as Issuer and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Indenture Trustee SERIES 2023‑1 INDENTURE SUPPLEMENT dated as of July 27, 2023 to BASE INDENTURE dated as of July 27, 2023 Up to $378,417,000 of Asset Backed Notes 1 Table of Contents Page PRELIMINARY STATEMENT 1 DESIGNATION 1 ARTICLE I DEFINITIONS 1 ARTICLE II ARTICLE 5 OF THE BASE INDENTURE 23

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 24, 2023 Enova International, Inc. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissio

Enova Reports Third Quarter 2023 Results and New $300 Million Share Repurchase Program

Exhibit 99.1 Enova Reports Third Quarter 2023 Results and New $300 Million Share Repurchase Program Total revenue increased 21% from the third quarter of 2022 to a record $551 million Diluted earnings per share totaled $1.29 and adjusted earnings per share totaled $1.50 Total company combined loans and finance receivables increased 15% from the end of third quarter of 2022 to $3.1 billion as total

Entry into a Material Definitive Agreement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 19, 2023 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 04, 2023 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissio

Enova Announces Successful Consent Solicitation for Senior Notes due 2025

Exhibit 99.1 Enova Announces Successful Consent Solicitation for Senior Notes due 2025 CHICAGO, October 4, 2023/PRNewswire/- Enova International, Inc. (NYSE: ENVA) (the “Company”), a leading financial technology company powered by machine learning and world-class analytics, today announced that it has successfully completed its previously announced consent solicitation (the “Consent Solicitation”)

Enova Announces Consent Solicitation for Senior Notes due 2025

Exhibit 99.1 Enova Announces Consent Solicitation for Senior Notes due 2025 CHICAGO, September 26, 2023/PRNewswire/ - Enova International, Inc. (NYSE: ENVA) (the “Company”), a leading financial technology company powered by machine learning and world-class analytics, today announced that it has commenced a consent solicitation (the “Consent Solicitation”) pursuant to terms and conditions of a Cons

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 26, 2023 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commiss

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova Interna

Credit Agreement, dated May 25, 2023, among HWC Receivables 2023, LLC as Company, various lenders, Headway Capital, LLC as Originator and BNP Paribas as Administrative Agent and Collateral Agent and Deutsche Bank Trust Company Americas as Paying Agent

Exhibit 10.1 CREDIT AGREEMENT dated as of May 25, 2023 among HWC Receivables 2023, LLC, as Company VARIOUS LENDERS, HEADWAY CAPITAL, LLC as Originator and BNP PARIBAS, as Administrative Agent and as Collateral Agent and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Paying Agent TABLE OF CONTENTS Page Section 1. DEFINITIONS AND INTERPRETATION 1 1.1 Definitions 1 1.2 Accounting Terms 45 1.3 Interpretatio

Enova International, Inc. Restated Certificate of Incorporation (incorporated by reference to Exhibit 3.1 to the Company’s Form 10-Q filed on July 28, 2023)

Exhibit 3.1 RESTATED CERTIFICATE OF INCORPORATION OF ENOVA INTERNATIONAL, INC. Enova International, Inc., a corporation organized and existing under and by virtue of the provisions of the General Corporation Law of the State of Delaware, DOES HEREBY CERTIFY: FIRST: The name of the corporation is Enova International, Inc. (the "Corporation") and that the original Certificate of Incorporation of the

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): July 27, 2023 ENOVA INTERNATIONAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): July 27, 2023 ENOVA INTERNATIONAL, INC. (Exact name of registrant as specified in its charter) Delaware 1-35503 45-3190813 (State or other jurisdiction of incorporation) (Commission F

LETTER

United States securities and exchange commission logo July 25, 2023 Steven Cunningham Chief Financial Officer Enova International, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 25, 2023 Enova International, Inc. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission F

Enova Reports Second Quarter 2023 Results

Exhibit 99.1 Enova Reports Second Quarter 2023 Results Total revenue increased 22% from the second quarter of 2022 to $499 million Strong profitability with diluted earnings per share of $1.50 and adjusted earnings per share of $1.72 Total company combined loans and finance receivables increased 20% from the end of second quarter of 2022 to $2.9 billion and total company originations exceeded $1 b

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): July 20, 2023 ENOVA INTERNATIONAL

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): July 20, 2023 ENOVA INTERNATIONAL, INC. (Exact name of registrant as specified in its charter) Delaware 1-35503 45-3190813 (State or other jurisdiction of incorporation) (Commission F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): July 13, 2023 (July 11, 2023) ENO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): July 13, 2023 (July 11, 2023) ENOVA INTERNATIONAL, INC. (Exact name of registrant as specified in its charter) Delaware 1-35503 45-3190813 (State or other jurisdiction of incorporatio

Term Loan Delinquency Experience1, 2 5/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 Number of Term Loans Outstanding 18,611 18,027 11,941 10,473 19,576 21,116 Aggregate Unpaid Principal Balance $ 962,542,225 $ 958,035,405 $ 564,833,

EX-99.1 Exhibit 99.1 Delinquencies and Net Charge-Offs The following Supplemental Data provides historical information relating to (1) delinquency experience as of the dates indicated for a specific subset of OnDeck’s daily, weekly and monthly pay U.S. term loans and lines of credit (as indicated in the headings below), including both on-balance sheet loans and loans sold to investors, as further

July 7, 2023

July 7, 2023 William Schroder Michael Volley U.S. Securities and Exchange Commission Division of Corporation Finance Office of Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Enova International, Inc. Form 10-K for Fiscal Year Ended December 31, 2022 Filed February 24, 2023 File No. 001-35503 Dear Mr. Schroder and Mr. Volley: This correspondence is being furnished by Enova International, Inc

LETTER

United States securities and exchange commission logo June 13, 2023 Steven Cunningham Chief Financial Officer Enova International, Inc.

Entry into a Material Definitive Agreement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 25, 2023 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission Fi

May 26, 2023

May 26, 2023 William Schroder Michael Volley U.S. Securities and Exchange Commission Division of Corporation Finance Office of Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Enova International, Inc. Form 10-K for Fiscal Year Ended December 31, 2022 Filed February 24, 2023 File No. 001-35503 Dear Mr. Schroder and Mr. Volley: This correspondence is being furnished by Enova International, Inc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 10, 2023 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission Fi

Amended and Restated Enova International, Inc. Nonqualified Savings Plan*

Exhibit 10.1 ENOVA INTERNATIONAL, INC. NONQUALIFIED SAVINGS PLAN As Amended and Restated Effective July 1, 2023 ENOVA INTERNATIONAL, INC. NONQUALIFIED SAVINGS PLAN Effective as of July 1, 2012, Enova International, Inc. (the “Company”) established the Enova International, Inc. Nonqualified Savings Plan (the “Plan”). The Company hereby amends and restates the Plan in its entirety effective as of Ju

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 10, 2023 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission Fi

LETTER

United States securities and exchange commission logo April 28, 2023 Steven Cunningham Chief Financial Officer Enova International, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova Intern

Third Amendment to Lease Agreement, dated March 21, 2023, between Mark Zettl, as Court Appointed Receiver, and Enova International, Inc.

Exhibit 10.1 THIRD AMENDMENT TO LEASE (175 W. Jackson - Enova) THIS THIRD AMENDMENT TO LEASE (the “Amendment”) is made as of this 21st day of March , 2023 (the “Effective Date”), between MARK ZETTI, solely in his capacity as Court Appointed Receiver pursuant to that certain Agreed Order Appointing Receiver for Non-Residential Property dated November 27, 2022, between U.S. Bank National Association

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 25, 2023 Enova International, Inc. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission

Enova Reports First Quarter 2023 Results

Exhibit 99.1 Enova Reports First Quarter 2023 Results Total revenue increased 25% from the first quarter of 2022 to $483 million Strong profitability with diluted earnings per share of $1.56 and adjusted earnings per share of $1.79 Total company combined loans and finance receivables increased 28% from the end of first quarter of 2022 to $2.8 billion and total company originations increased 2% fro

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEFA14A 1 envadefa14a-2023.htm DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a party other than the Registrant  Check the appropriate box:  Preliminary Proxy Statement  Confidential, for Use of the Commission Only (as

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ⊠ Filed by a party other than the Registrant  Check the appropriate box:  Preliminary Proxy Statement  Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ⊠ Defin

ARS

– KYLE, ONDECK – CAROLYN, PANGEA – IARA, SIMPLIC – FORREST, NETCREDIT – CARLA, CASHNETUSA – BARBARA, THE BUSINESS BACKER – MAURICE, HEADWAY CAPITAL MISSION Helping hardworking people get access to fast, trustworthy credit.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova International, Inc. (E

Subsidiaries of Enova International, Inc.

Exhibit 21.1 Subsidiaries of Enova International, Inc. The following is a list of subsidiaries of Enova International, Inc. as of February 25, 2022: Entity Name Jurisdiction of Incorporation/Organization Direct Ownership % ├─┬─ Debit Plus, LLC Delaware 100.00% │ ├─── Debit Plus Payment Solutions, LLC Delaware 100.00% │ ├─── Debit Plus Services, LLC Delaware 100.00% │ └─── Debit Plus Technologies,

Third Amendment to Credit Agreement, dated November 18, 2022, among OnDeck Receivables 2021, LLC, various lenders, and JPMorgan Chase Bank, N.A., as Administrative Agent and Collateral Agent and Deutsche Bank Trust Company Americas, as Paying Agent

Exhibit 10.47 Amendment No. 3 to Credit Agreement This Amendment No. 3 to Credit Agreement (this “Amendment”) is entered into as of November 18, 2022, by and among OnDeck Receivables 2021, LLC, a Delaware limited liability company, as company (the “Borrower”), the lenders from time to time parties hereto (the “Lenders”), JPMorgan Chase Bank, N.A., as administrative agent and collateral agent for t

Amendment No. 8 to Fourth Amended and Restated Credit Agreement, dated as of November 18, 2022, among Receivable Assets of OnDeck, LLC, as Borrower, the Lenders party thereto and Truist Bank, as Administrative Agent

Exhibit 10.48 AMENDMENT NO. 8 TO FOURTH AMENDED AND RESTATED CREDIT AGREEMENT This AMENDMENT NO. 8 TO FOURTH AMENDED AND RESTATED CREDIT AGREEMENT (this “Amendment”) dated as of November 18, 2022, is entered into by and among RECEIVABLE ASSETS OF ONDECK, LLC, a Delaware limited liability company (“Company”), the Lenders party hereto and Truist BANK, as Administrative Agent (in such capacity, the “

Note Issuance and Purchase Agreement among NetCredit Receivables 2022, LLC as Issuer, Citibank, N.A. as Collateral Agent and Paying Agent, Jefferies Funding LLC as Initial Note Purchaser, each of note purchasers from time to time party hereto, and Jefferies Funding LLC, as Administrative Agent dated as of October 21, 2022

Exhibit 10.46 NOTE ISSUANCE AND PURCHASE AGREEMENT among NETCREDIT RECEIVABLES 2022, LLC, a Delaware limited liability company, as Issuer, CITIBANK, N.A., as Collateral Agent and Paying Agent JEFFERIES FUNDING LLC, as Initial Note Purchaser EACH OF NOTE PURCHASERS FROM TIME TO TIME PARTY HERETO, and JEFFERIES FUNDING LLC, as Administrative Agent Dated as of October 21, 2022 TABLE OF CONTENTS Page

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 22, 2023 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

ENVA / Enova International Inc / 683 Capital Management, LLC - AMENDMENT NO. 3 TO THE SCHEDULE 13G Passive Investment

SC 13G/A 1 enova13ga3-123122.htm AMENDMENT NO. 3 TO THE SCHEDULE 13G SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G (RULE 13d - 102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO 13d-1(b), (c) AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO 13d-2(b) (Amendment No. 3)* Enova International, Inc. (Name of Issuer) Common Stock, $.00001 par value per share (Title o

ENVA / Enova International Inc / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

SC 13G 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Enova International Inc (Name of Issuer) Common Stock (Title of Class of Securities) 29357K103 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to

ENVA / Enova International Inc / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv0823-enovainternationalinc.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 5)* Name of issuer: Enova International Inc. Title of Class of Securities: Common Stock CUSIP Number: 29357K103 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box t

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 01, 2023 Enova International, Inc. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

Enova Reports Fourth Quarter and Full Year 2022 Results

Exhibit 99.1 Enova Reports Fourth Quarter and Full Year 2022 Results Total revenue increased 7% sequentially and 34% from the fourth quarter of 2021 to $486 million Strong profitability with diluted earnings per share of $1.56 and adjusted earnings per share of $1.76 Total company originations were $1.2 billion, 9% higher than originations for the fourth quarter of 2021, and total receivables, on

ENVA / Enova International Inc / BlackRock Inc. Passive Investment

SC 13G/A 1 us29357k1034012623.txt us29357k1034012623.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: 1) ENOVA INTERNATIONAL INC - (Name of Issuer) Common Stock - (Title of Class of Securities) 29357K103 - (CUSIP Number) December 31, 2022 - (Date of Event Which Requires Filing of this Statement) Check the appropriat

ENVA / Enova International Inc / BlackRock Inc. Passive Investment

SC 13G 1 us29357k1034012023.txt us29357k1034012023.txt SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No: ) ENOVA INTERNATIONAL INC - (Name of Issuer) Common Stock - (Title of Class of Securities) 29357K103 - (CUSIP Number) December 31, 2022 - (Date of Event Which Requires Filing of this Statement) Check the appropriate b

Entry into a Material Definitive Agreement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 18, 2022 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

Enova Announces Increase to Share Repurchase Program

Exhibit 99.1 Enova Announces Increase to Share Repurchase Program CHICAGO, November 7, 2022 /PRNewswire/ - Enova International (NYSE: ENVA), a leading financial technology company powered by machine learning and artificial intelligence, today announced that its Board of Directors has authorized an increase to the company?s common stock share repurchase program of up to $150 million. This new autho

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 07, 2022 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova In

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): October 27, 2022 ENOVA INTERNATIONAL, INC. (Exact name of registrant as specified in its charter) Delaware 1-35503 45-3190813 (State or other jurisdiction of incorporation) (Commissio

Enova Reports Third Quarter 2022 Results

Exhibit 99.1 Enova Reports Third Quarter 2022 Results Total revenue increased 12% sequentially and 42% from the third quarter of 2021 to $456 million Strong profitability with diluted earnings per share of $1.57 and adjusted earnings per share of $1.74 Total company originations were $1.2 billion, 10% higher sequentially and 40% higher than originations for the third quarter of 2021 Continued soli

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 21, 2022 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commissio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-35503 Enova Interna

Amended and Restated Credit Agreement among Enova International, Inc., as a Borrower and the Parent, certain restricted subsidiaries of the Parent from time to time party hereto, as Borrowers, certain restricted subsidiaries of the Parent from time to time party hereto, as Guarantors, the Lenders party hereto, and Bank of Montreal, as Administrative Agent and Collateral Agent dated as of June 23, 2022

Exhibit 10.1 CREDIT AGREEMENT dated as of June 30, 2022 among OnDeck Receivables 2022, LLC, as Company VARIOUS LENDERS, and BMO CAPITAL MARKETS CORP., as Administrative Agent and Collateral Agent, and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Paying Agent Table of Contents Page Section 1. DEFINITIONS AND INTERPRETATION 1 1.1 Definitions 1 1.2 Accounting Terms 44 1.3 Interpretation, etc. 44 Section

Credit Agreement dated June 30, 2022 among OnDeck Receivables 2022, LLC, various lenders, and BMO Capital Markets Corp., as Administrative Agent and Collateral Agent, and Deutsche Bank Trust Company Americas, as Paying Agent

Exhibit 10.2 $440,000,000 AMENDED AND RESTATED CREDIT AGREEMENT among ENOVA INTERNATIONAL, INC., as a Borrower and the Parent, CERTAIN RESTRICTED SUBSIDIARIES OF THE PARENT FROM TIME TO TIME PARTY HERETO, as Borrowers, CERTAIN RESTRICTED SUBSIDIARIES OF THE PARENT FROM TIME TO TIME PARTY HERETO, as Guarantors, THE LENDERS PARTY HERETO, and BANK OF MONTREAL, as Administrative Agent and Collateral A

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (Date of Earliest Event Reported): July, 28 2022 ENOVA INTERNATIONAL, INC. (Exact name of registrant as specified in its charter) Delaware 1-35503 45-3190813 (State or other jurisdiction of incorporation) (Commission F

Enova Reports Second Quarter 2022 Results

Exhibit 99.1 Enova Reports Second Quarter 2022 Results Total revenue increased 6% sequentially in the second quarter of 2022 and 54% from the second quarter of 2021 to $408 million Strong second quarter profitability with diluted earnings per share of $1.56 and adjusted earnings per share of $1.64 Total company originations were $1.1 billion, 5% higher sequentially Continued strong credit performa

Enova Increases Funding Capacity by $550 Million with Recent Transactions

Exhibit 99.1 Enova Increases Funding Capacity by $550 Million with Recent Transactions CHICAGO, July 5, 2022 /PRNewswire/ - Enova International (NYSE: ENVA), a leading financial technology company powered by machine learning and artificial intelligence, announced today that during June the company closed $550 million of additional funding capacity. A new two-year $420 million small business securi

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 30, 2022 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission F

Entry into a Material Definitive Agreement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 23, 2022 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission F

As filed with the Securities and Exchange Commission on May 17, 2022

As filed with the Securities and Exchange Commission on May 17, 2022 Registration No.

Filing Fee Table (filed herewith)

Exhibit 107 CALCULATION OF REGISTRATION FEE Form S-8 Enova International, Inc. Table 1 - Newly Registered Securities Security type Security class title Fee calculation rule Amount to be registered (1) Proposed maximum offering price per share (2)(3) Proposed maximum aggregate offering price (2)(3) Fee rate Amount of registration fee (3) Equity Common Stock, par value $0.00001 per share Rule 457(c)

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 10, 2022 ENOVA INTERNATIONAL, INC. (Exact name of Registrant as Specified in Its Charter) Delaware 1-35503 45-3190813 (State or Other Jurisdiction of Incorporation) (Commission Fi

First Amendment to Credit Agreement, dated March 29, 2022 among OnDeck Receivables 2021, LLC, various lenders, and JPMorgan Chase Bank, N.A., as Administrative Agent and Collateral Agent and Deutsche Bank Trust Company Americas, as Paying Agent

Exhibit 10.4 Amendment No. 1 to Credit Agreement This Amendment No. 1 to Credit Agreement (this ?Amendment?) is entered into as of March 29, 2022, by and among OnDeck Receivables 2021, LLC, a Delaware limited liability company, as company (the ?Borrower?), the lenders from time to time parties hereto (the ?Lenders?), JPMorgan Chase Bank, N.A., as administrative agent and collateral agent for the L

Second Amendment to Loan and Security Agreement, dated March 24, 2022, by and between Pacific Western Bank and EFR 2018-1, LLC

Exhibit 10.3 SECOND AMENDMENT TO LOAN AND SECURITY AGREEMENT THIS SECOND AMENDMENT TO LOAN AND SECURITY AGREEMENT (this ?Amendment?), dated as of March 24, 2022, is entered into by and among EFR 2018-1, LLC, a Delaware limited liability company (?Borrower?), each of the Lenders (as defined in the Loan Agreement) signatory hereto, and PACIFIC WESTERN BANK, as administrative, payment and collateral