Exhibit 10.3

FIRST AMENDMENT TO CREDIT AGREEMENT

THIS FIRST AMENDMENT TO CREDIT AGREEMENT (this “Amendment”), dated as of
November 29, 2011, is by and among CASH AMERICA INTERNATIONAL, INC., a Texas
corporation (the “Borrower”), the Domestic Subsidiaries of the Borrower party
hereto (collectively, the “Guarantors”), the Lenders party hereto and WELLS
FARGO BANK, NATIONAL ASSOCIATION, as administrative agent (in such capacity, the
“Administrative Agent”). Capitalized terms used herein and not otherwise defined
herein shall have the meanings ascribed thereto in the Credit Agreement.

W I T N E S S E T H

WHEREAS, the Borrower, the Guarantors, certain banks and financial institutions
from time to time party thereto (the “Lenders”) and the Administrative Agent are
parties to that certain Credit Agreement dated as of March 30, 2011 (as amended,
modified, extended, restated, replaced, or supplemented from time to time, the
“Credit Agreement”);

WHEREAS, the Credit Parties have requested that the Required Lenders amend
certain provisions of the Credit Agreement; and

WHEREAS, the Required Lenders are willing to make such amendments to the Credit
Agreement, in accordance with and subject to the terms and conditions set forth
herein.

NOW, THEREFORE, in consideration of the agreements hereinafter set forth, and
for other good and valuable consideration, the receipt and adequacy of which are
hereby acknowledged, the parties hereto agree as follows:

ARTICLE I

AMENDMENTS TO CREDIT AGREEMENT

1.1 New Definitions. The following definitions are hereby added to Section 1.1
of the Credit Agreement in the appropriate alphabetical order:

“Enova” shall mean Enova International, Inc., a Delaware corporation.

“Enova Disposition” shall mean, collectively, the sale by the Borrower of a
portion of the outstanding Capital Stock of Enova held by the Borrower and the
issuance and sale by Enova of Capital Stock of Enova, in each case in connection
with an initial public offering of Capital Stock of Enova registered under the
Securities Act of 1933, as amended, with the effect that Enova and Enova’s
Subsidiaries shall not be Subsidiaries of the Borrower following the
consummation of such initial public offering.

“Enova Disposition Documents” shall mean, collectively, (a) the Separation
Agreement, (b) the Transition Services Agreement, (c) the Registration Rights
Agreement, (d) the Tax Sharing Agreement, (e) the Employee Matters Agreement,
(f) the Credit Underwriting Agreement and (g) the Marketing and Customer
Referral Agreement, in each case as described in that certain preliminary
prospectus dated November 15, 2011, contained in Amendment No. 2 to the
Registration Statement filed by Enova with the Securities and Exchange
Commission in connection with the initial public offering of Capital Stock of
Enova.

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1.2 Amendment to 6.5. Section 6.5 of the Credit Agreement is hereby amended by
adding the following clause (p) to the end of such Section and making the
appropriate punctuation and grammatical changes thereto:

(p) the Enova Disposition; provided that the Borrower (i) shall receive not less
than $350,000,000 in Net Proceeds as a result of the Enova Disposition (for
purposes of this clause (p), Net Proceeds received by the Borrower as a result
of the Enova Disposition shall include (A) all Net Proceeds received by the
Borrower from its sale of outstanding shares of Capital Stock of Enova to the
public in the Enova Disposition and (B) proceeds received by the Borrower from
Enova in connection with the issuance and sale by Enova of Capital Stock of
Enova to the public in the Enova Disposition and which proceeds to Enova are
paid to the Borrower by Enova in repayment of intercompany indebtedness owed by
Enova to the Borrower) and (ii) shall use the Net Proceeds received from the
Enova Disposition to prepay the Loans in accordance with Section 2.7(b)(ii) of
this Agreement.

1.3 Amendment to Section 6.9. Section 6.9 of the Credit Agreement is hereby
amended and restated in its entirety to read as follows:

The Credit Parties shall not, and shall not permit any Subsidiary to, enter into
any transaction of any kind with any Affiliate of the Credit Parties, other than
(a) arm’s-length transactions with Affiliates, (b) transactions otherwise
permitted hereunder, (c) transactions with Affiliates in the ordinary course of
business and (d) the Enova Disposition Documents.

1.4 Amendment to Section 10.1. The following sentence is hereby added at the end
of Section 10.1 of the Credit Agreement:

Enova and its Subsidiaries shall automatically be released from their
obligations under this Guaranty concurrently with the consummation of the Enova
Disposition to the extent Enova and its Subsidiaries are no longer Subsidiaries
of the Borrower.

ARTICLE II

CONDITIONS TO EFFECTIVENESS

2.1 Closing Conditions. This Amendment shall become effective as of the day and
year set forth above (the “Amendment Effective Date”) upon satisfaction of the
following conditions (in each case, in form and substance reasonably acceptable
to the Administrative Agent):

(a) Executed Amendment. The Administrative Agent shall have received a copy of
this Amendment duly executed by each of the Credit Parties, the Required Lenders
and the Administrative Agent.

(b) Default. After giving effect to this Amendment, no Default or Event of
Default shall exist.

(c) Fees and Expenses. The Administrative Agent shall have received from the
Borrower such fees and expenses that are payable in connection with the
consummation of the transactions contemplated hereby and King & Spalding LLP
shall have received from the Borrower payment of all outstanding fees and
expenses previously incurred and all fees and expenses incurred in connection
with this Amendment.

 

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(d) Miscellaneous. All other documents and legal matters in connection with the
transactions contemplated by this Amendment shall be reasonably satisfactory in
form and substance to the Administrative Agent and its counsel.

ARTICLE III

MISCELLANEOUS

3.1 Amended Terms. On and after the Amendment Effective Date, all references to
the Credit Agreement in each of the Credit Documents shall hereafter mean the
Credit Agreement as amended by this Amendment. Except as specifically amended
hereby or otherwise agreed, the Credit Agreement is hereby ratified and
confirmed and shall remain in full force and effect according to its terms.

3.2 Representations and Warranties of Credit Parties. Each of the Credit Parties
represents and warrants as follows:

(a) It has taken all necessary action to authorize the execution, delivery and
performance of this Amendment.

(b) This Amendment has been duly executed and delivered by such Person and
constitutes such Person’s legal, valid and binding obligation, enforceable in
accordance with its terms, except as such enforceability may be subject to
(i) bankruptcy, insolvency, reorganization, fraudulent conveyance or transfer,
moratorium or similar laws affecting creditors’ rights generally and
(ii) general principles of equity (regardless of whether such enforceability is
considered in a proceeding at law or in equity).

(c) No consent, approval, authorization or order of, or filing, registration or
qualification with, any court or governmental authority or third party is
required in connection with the execution, delivery or performance by such
Person of this Amendment.

(d) The representations and warranties set forth in Article III of the Credit
Agreement are true and correct as of the date hereof (except for those which
expressly relate to an earlier date).

(e) After giving effect to this Amendment, no event has occurred and is
continuing which constitutes a Default or an Event of Default.

(f) The Credit Party Obligations are not reduced or modified by this Amendment
and are not subject to any offsets, defenses or counterclaims.

3.3 Reaffirmation of Credit Party Obligations. Each Credit Party hereby ratifies
the Credit Agreement and acknowledges and reaffirms (a) that it is bound by all
terms of the Credit Agreement applicable to it and (b) that it is responsible
for the observance and full performance of its respective Credit Party
Obligations.

3.4 Credit Document. This Amendment shall constitute a Credit Document under the
terms of the Credit Agreement.

3.5 Expenses. The Borrower agrees to pay all reasonable costs and expenses of
the Administrative Agent in connection with the preparation, execution and
delivery of this Amendment, including without limitation the reasonable fees and
expenses of the Administrative Agent’s legal counsel.

 

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3.6 Further Assurances. The Credit Parties agree to promptly take such action,
upon the request of the Administrative Agent, as is necessary to carry out the
intent of this Amendment.

3.7 Entirety. This Amendment and the other Credit Documents embody the entire
agreement among the parties hereto and supersede all prior agreements and
understandings, oral or written, if any, relating to the subject matter hereof.

3.8 Counterparts; Telecopy. This Amendment may be executed in any number of
counterparts, each of which when so executed and delivered shall be an original,
but all of which shall constitute one and the same instrument. Delivery of an
executed counterpart to this Amendment by telecopy or other electronic means
shall be effective as an original and shall constitute a representation that an
original will be delivered.

3.9 No Actions, Claims, Etc. As of the date hereof, each of the Credit Parties
hereby acknowledges and confirms that it has no knowledge of any actions, causes
of action, claims, demands, damages and liabilities of whatever kind or nature,
in law or in equity, against the Administrative Agent, the Lenders, or the
Administrative Agent’s or the Lenders’ respective officers, employees,
representatives, agents, counsel or directors arising from any action by such
Persons, or failure of such Persons to act under the Credit Agreement on or
prior to the date hereof.

3.10 GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND SHALL BE CONSTRUED
AND ENFORCED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK (INCLUDING
SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW).

3.11 Successors and Assigns. This Amendment shall be binding upon and inure to
the benefit of the parties hereto and their respective successors and assigns.

3.12 Consent to Jurisdiction; Service of Process; Waiver of Jury Trial. The
jurisdiction, service of process and waiver of jury trial provisions set forth
in Sections 9.13 and 9.16 of the Credit Agreement are hereby incorporated by
reference, mutatis mutandis.

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FIRST AMENDMENT TO CREDIT AGREEMENT

CASH AMERICA INTERNATIONAL, INC.

 

IN WITNESS WHEREOF the parties hereto have caused this Amendment to be duly
executed on the date first above written.

 

BORROWER:    

CASH AMERICA INTERNATIONAL, INC.,

a Texas corporation

    By:   /s/ Austin D. Nettle     Name:   Austin D. Nettle     Title:   Vice
President and Treasurer

 

GUARANTORS:    

BRONCO PAWN & GUN, INC.

CASH AMERICA ADVANCE, INC.

CASH AMERICA FINANCIAL SERVICES, INC.

CASH AMERICA FRANCHISING, INC.

CASH AMERICA GLOBAL FINANCING, INC.

CASH AMERICA GLOBAL SERVICES, INC.

CASH AMERICA HOLDING, INC.

CASH AMERICA, INC.

CASH AMERICA, INC. OF ALABAMA

CASH AMERICA, INC. OF ALASKA

CASH AMERICA, INC. OF COLORADO

CASH AMERICA, INC. OF ILLINOIS

CASH AMERICA, INC. OF INDIANA

CASH AMERICA, INC. OF KENTUCKY

CASH AMERICA, INC. OF LOUISIANA

CASH AMERICA OF MISSOURI, INC.

CASH AMERICA, INC. OF NEVADA

CASH AMERICA, INC. OF NORTH CAROLINA

CASH AMERICA, INC. OF OKLAHOMA

CASH AMERICA, INC. OF SOUTH CAROLINA

CASH AMERICA, INC. OF TENNESSEE

CASH AMERICA, INC. OF UTAH

CASH AMERICA, INC. OF VIRGINIA

CASH AMERICA OF MEXICO, INC.

CASH AMERICA PAWN, INC. OF OHIO

CASHLAND FINANCIAL SERVICES, INC.

CNU DOLLARSDIRECT INC.

DOC HOLLIDAY’S PAWNBROKERS & JEWELLERS, INC.

    By:   /s/ Austin D. Nettle     Name:   Austin D. Nettle     Title:   Vice
President and Treasurer

 

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FIRST AMENDMENT TO CREDIT AGREEMENT

CASH AMERICA INTERNATIONAL, INC.

 

 

   

EGH SERVICES, INC.

ENOVA INTERNATIONAL, INC.

ENOVA ONLINE SERVICES, INC.

EXPRESS CASH INTERNATIONAL CORPORATION

FLORIDA CASH AMERICA, INC.

GAMECOCK PAWN & GUN, INC.

GEORGIA CASH AMERICA, INC.

HORNET PAWN & GUN, INC.

LONGHORN PAWN AND GUN, INC.

MR. PAYROLL CORPORATION

OHIO NEIGHBORHOOD FINANCE, INC.

RATI HOLDING, INC.

TIGER PAWN & GUN, INC.

UPTOWN CITY PAWNERS, INC.

VINCENT’S JEWELERS AND LOAN, INC.

    By:   /s/ Austin D. Nettle     Name:   Austin D. Nettle     Title:   Vice
President    

CASH AMERICA MANAGEMENT L.P.

CASH AMERICA PAWN L.P.

    By:  

Cash America Holding, Inc.

Its General Partner

    By   /s/ Austin D. Nettle     Name:   Austin D. Nettle     Title:   Vice
President and Treasurer    

BILLERS ACCEPTANCE GROUP, LLC

CNU ONLINE HOLDINGS, LLC

ENOVA FINANCIAL HOLDINGS, LLC

PF LABOR HOLDINGS, LLC

PRIMARY INNOVATIONS, LLC

STRATEGIC RECEIVABLE MANAGEMENT SOLUTIONS, LLC

    By:   /s/ J. Curtis Linscott     Name:   J. Curtis Linscott     Title:  
Manager

 

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FIRST AMENDMENT TO CREDIT AGREEMENT

CASH AMERICA INTERNATIONAL, INC.

 

   

CNU OF ALABAMA, LLC

CNU OF ALASKA, LLC

CNU OF ARIZONA, LLC

CNU OF CALIFORNIA, LLC

CNU OF COLORADO, LLC

CNU OF DELAWARE, LLC

CNU OF FLORIDA, LLC

CASHNETUSA OF FLORIDA, LLC

CNU OF HAWAII, LLC

CNU OF IDAHO, LLC

CNU OF ILLINOIS, LLC

CNU OF INDIANA, LLC

CNU OF IOWA, LLC

CNU OF KANSAS, LLC

CNU OF LOUISIANA, LLC

CNU OF MAINE, LLC

CASHNET CSO OF MARYLAND, LLC

CNU OF MICHIGAN, LLC

CNU OF MINNESOTA, LLC

CNU OF MISSISSIPPI, LLC

CNU OF MISSOURI, LLC

CNU OF MONTANA, LLC

CNU OF NEVADA, LLC

CNU OF NEW HAMPSHIRE, LLC

CNU OF NEW MEXICO, LLC

CNU OF NORTH DAKOTA, LLC

CNU OF OHIO, LLC

OHIO CONSUMER FINANCIAL SOLUTIONS, LLC

CNU OF OKLAHOMA, LLC

CNU OF OREGON, LLC

CNU OF RHODE ISLAND, LLC

CNU OF SOUTH CAROLINA, LLC

CNU OF SOUTH DAKOTA, LLC

CNU OF TENNESSEE, LLC

CNU OF TEXAS, LLC

CNU OF UTAH, LLC

CNU OF VIRGINIA, LLC

CNU OF WASHINGTON, LLC

CNU OF WISCONSIN, LLC

CNU OF WYOMING, LLC

CASHEURONET UK, LLC

DOLLARSDIRECT, LLC

EURONETCASH, LLC

TRAFFICGEN, LLC

    By:  

CNU Online Holdings, LLC

Its Sole Member

    By:   /s/ Austin D. Nettle     Name:   Austin D. Nettle     Title:   Vice
President and Treasurer

 

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CASH AMERICA INTERNATIONAL, INC.

AMENDMENT TO CREDIT AGREEMENT

 

   

AEL NET MARKETING, LLC

AEL NET OF ARIZONA, LLC

AEL NET OF ILLINOIS, LLC

AEL NET OF OHIO, LLC

AEL NET OF SOUTH CAROLINA, LLC

AEL NET OF WISCONSIN, LLC

ARIZONA CONSUMER FINANCIAL SOLUTIONS, LLC

    By:  

CNU Online Holdings, LLC

Its Sole Member

    By:   /s/ Austin D. Nettle                                        
                             Name:   Austin D. Nettle     Title:   Vice
President and Treasurer

 

   

CASHNETUSA CO LLC

CASHNETUSA OR LLC

THE CHECK GIANT NM, LLC

    By:  

Cash America Net of New Mexico, LLC

Its Sole Member

     

By: CNU Online Holdings, LLC

        Its Sole Member

      By: /s/  Austin D. Nettle                                  
                                 Name: Austin D. Nettle       Title: Vice
President and Treasurer

 

   

DEBIT PLUS TECHNOLOGIES, LLC

PRIMARY CREDIT SERVICES, LLC

PRIMARY PAYMENT SOLUTIONS, LLC

    By:  

Primary Innovations, LLC

Its Sole Member

    By:   /s/  Austin D. Nettle                     
                                                     Name:   Austin D. Nettle  
  Title:   Vice President and Treasurer

 

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ADMINISTRATIVE AGENT:    

WELLS FARGO BANK, NATIONAL ASSOCIATION, as a

Lender and as Administrative Agent

    By:   /s/ Jeffrey D. Bundy     Name:   Jeffrey D. Bundy     Title:   Vice
President

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LENDERS:     JP Morgan Chase Bank, N.A., as a Lender     By:   /s/ Lindsey M.
Hester     Name:   Lindsey M. Hester     Title:   Bank Senior

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LENDERS:     KEYBANK NATIONAL ASSOCIATION, as a Lender     By:   /s/ Matthew A.
Lambes     Name:   Matthew A. Lambes     Title:   Vice President

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LENDERS:     U.S. Bank, N.A., as a Lender     By:   /s/ Patrick McGraw     Name:
  Patrick McGraw     Title:   Vice President

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LENDERS:    

First Tennessee Bank National Association,

a national banking association, as a Lender

    By:   /s/ Glynn M. Alexander, Jr.     Name:   Glynn M. Alexander, Jr.    
Title:   Senior Vice President

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LENDERS:     Amegy Bank, N.A., as a Lender     By:   /s/ Monica Libbey     Name:
  Monica Libbey     Title:   Vice President

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LENDERS:     BOKF, N.A. dba Bank of Texas, as a Lender     By:   /s/ Alan Morris
    Name:   Alan Morris     Title:   Vice President

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LENDERS:     TEXAS CAPITAL BANK, NATIONAL ASSOCIATION, as a Lender     By:   /s/
Barry Kromann     Name:   Barry Kromann     Title:   Executive Vice President