# EDGAR Filing Document

**Accession Number:** 0001529864
**File Stem:** 0001193125-26-283034
**Filing Date:** 2026-6
**Character Count:** 5777
**Document Hash:** 8f0ec7d6a6aeb8f15259062b3c1fb725
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-283034.hdr.sgml**: 20260625

**ACCESSION NUMBER**: 0001193125-26-283034

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 9

**CONFORMED PERIOD OF REPORT**: 20260625

**ITEM INFORMATION**: Entry into a Material Definitive Agreement

**ITEM INFORMATION**: Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

**FILED AS OF DATE**: 20260625

**DATE AS OF CHANGE**: 20260625

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Enova International, Inc.
- **CENTRAL INDEX KEY:** 0001529864
- **STANDARD INDUSTRIAL CLASSIFICATION:** PERSONAL CREDIT INSTITUTIONS [6141]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 453190813
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-35503
- **FILM NUMBER:** 261122937

**BUSINESS ADDRESS:**
- **STREET 1:** 175 WEST JACKSON BLVD.
- **STREET 2:** SUITE 600
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60604
- **BUSINESS PHONE:** 312-568-4200

**MAIL ADDRESS:**
- **STREET 1:** 175 WEST JACKSON BLVD.
- **STREET 2:** SUITE 600
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60604

?xml version='1.0' encoding='ASCII'? 8-K

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549**

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## FORM 8-K

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**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 25, 2026<br>

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ENOVA INTERNATIONAL, INC.

**(Exact name of Registrant as Specified in Its Charter)**

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| | | |
|:---|:---|:---|
| Delaware | 1-35503 | 45-3190813 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| 175 West Jackson Boulevard |  |  |
| Chicago**,** Illinois |  | 60604 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

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**Registrant's Telephone Number, Including Area Code:** 312 568-4200<br>

**(Former Name or Former Address, if Changed Since Last Report)**

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

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| | | |
|:---|:---|:---|
| **<br>Title of each class** | **Trading<br>Symbol(s)** | **<br>Name of each exchange on which registered** |
| Common Stock, $.00001 par value per share | ENVA | New York Stock Exchange LLC |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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## Item 1.01 Entry into a Material Definitive Agreement.
***ODR 2022 Securitization Facility***

On June 25, 2026, OnDeck Receivables 2022, LLC ("***ODR 2022***"), a wholly-owned indirect subsidiary of Enova International, Inc. (the "***Company***"), amended its existing revolving receivables facility (the "***ODR 2022 Securitization Facility***") by entering into that certain Amendment No. 5 to Credit Agreement and Reaffirmation of Performance Guaranty (the "***Amendment***") with the lenders party thereto from time to time, BMO Capital Markets Corp., as administrative agent and collateral agent, and the Company, as performance guarantor.

The following table summarizes certain key terms of the amended ODR 2022 Securitization Facility and reflects weighted-average blended rates. The actual rates applicable under the Credit Agreement vary during the facility term.

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| | | | |
|:---|:---|:---|:---|
|  | Class A Revolving Loans | Class B Revolving Loans | Total Facility |
| Commitment Amount | $338000000 | $82000000 | $420000000 |
| Borrowing Rate | CP Rate + 2.35% | SOFR + 7.50% | CP/SOFR + 3.36% |
| Borrowing Base Advance Rate | 71.25% | 88.75% | 88.75% |
| Revolving Period End Date | June 2028 | June 2028 | June 2028 |
| Maturity Date | June 2029 | June 2029 | June 2029 |

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The foregoing description of the Amendment does not purport to be complete and is qualified in its entirety by reference to the Credit Agreement, as amended by the Amendment, which will be filed as an exhibit to the Company's Quarterly Report on Form 10-Q for the quarter ending June 30, 2026.

## Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.
The information provided in Item 1.01 above is incorporated herein by reference.

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | | |
|:---|:---|:---|:---|
|  |  |  | Enova International, Inc. |
| Date: | June 25, 2026 | By:  | /s/ Sean Rahilly |
|  |  |  | Sean Rahilly<br>General Counsel & Secretary |

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