Document:

<PAGE>   1

                                                                    EXHIBIT 10.1

                     THIRD SUPPLEMENT TO 1997 NOTE AGREEMENT

         This Third Supplement to 1997 Note Agreement (the "Third Supplement")
is made and entered into as of the 30th day of June, 2000, by and between Cash
America International, Inc. (the "Company") and each of the institutions which
is a signatory to this Third Supplement (collectively, the "Noteholders").

                                    RECITALS

         WHEREAS, the parties hereto have entered into a Note Agreement dated as
of December 1, 1997, pursuant to which the Company issued and the Noteholders
purchased $30,000,000 aggregate principal amount of the Company's 7.10% Senior
Notes Due January 2, 2008, and the parties have amended said Note Agreement by
entering into a First Supplement to 1997 Note Agreement dated as of December 31,
1998 and a Second Supplement to Note Agreement dated as of September 29, 1999
(said Note Agreement, as amended, being referred to hereafter as the "Note
Agreement"); and

         WHEREAS, the Company and the Noteholders desire to amend certain
provisions of the Note Agreement.

         NOW, THEREFORE, in consideration of the premises and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the Company and the Noteholders hereby agree as follows:

SECTION 1. AMENDMENT TO SECTION 9.06 OF THE NOTE AGREEMENT.

         Section 9.06 of the Note Agreement is hereby amended and restated to
read in its entirety as follows:

                  SECTION 9.06. Fixed Charge Coverage. The Company will not at
         any time permit the ratio of (a) the sum of Consolidated Adjusted Net
         Income for the Computation Period plus the aggregate amount of all
         taxes, rents, leases and interest expenses deducted from gross income
         to obtain such Consolidated Adjusted Net Income to (b) the aggregate
         amount of all such rents, leases and interest expenses so deducted to
         be less than (i) 1.25 to 1 if the Computation Period ends on or before
         March 31, 2001, (ii) 1.35 to 1 if the Computation Period ends after
         March 31, 2001 but on or before September 30, 2001, and (iii) 1.5 to 1
         if the Computation Period ends after September 30, 2001. As used in
         this Section 9.06, "Computation Period" means, at any time, the period
         of four consecutive Fiscal Quarters ended on the date of the most
         recent balance sheet delivered (or required to be delivered) by the
         Company pursuant to clause (a) or (b) of Section 8.01.

<PAGE>   2

SECTION 2. AMENDMENT TO SECTION 9.08 OF THE NOTE AGREEMENT.

         Section 9.08 of the Note Agreement is hereby amended by deleting the
phrase "5,000,000 pounds sterling" from clause (C) of subsection 9.08(b)(10) and
inserting the phrase "10,000,000 pounds sterling" in lieu thereof.

SECTION 3. SUPPLEMENT FEE.

         The Company covenants and agrees to pay a supplement fee to each
Noteholder in an amount equal to the product of (a) 0.250% and (b) the total
outstanding principal balance of the Notes held by such Noteholder on August 15,
2000. Such supplement fee shall be paid in immediately available funds and shall
be due and payable to each Noteholder no later than one Business Day after
August 15, 2000. The Company agrees that the failure to pay the supplement fee
provided in this Section 2 shall be an Event of Default under Section 10.01(b)
of the Note Agreement.

SECTION 4. DEFINITIONS.

         All capitalized terms used herein and not otherwise specifically
defined shall have the respective meanings set forth in the Note Agreement.

SECTION 5. PAYMENT OF THE NOTEHOLDERS COUNSEL FEES AND EXPENSES.

         The Company agrees to pay upon demand, the reasonable fees and expenses
of Chapman and Cutler, counsel to the Noteholders, in connection with the
negotiation, preparation, approval, execution and delivery of this Third
Supplement.

SECTION 6. RATIFICATION OF NOTE AGREEMENT.

Except as specified hereinabove, all other terms of the Note Agreement shall
remain unchanged and are hereby ratified and confirmed. All references to "this
Agreement" or "the Agreement" appearing in the Note Agreement, and all
references to the Note Agreement appearing in any other instrument or document,
shall be deemed to refer to the Note Agreement as supplemented and amended by
this Third Supplement.

SECTION 7. COUNTERPARTS.

         This Third Supplement may be executed in any number of counterparts and
by the parties hereto on separate counterparts, each of which when so executed
and delivered shall be an original, but all the counterparts shall together
constitute one and the same instrument.

         By signing below where indicated, the undersigned, CASH AMERICA, INC.
OF SOUTH CAROLINA, FLORIDA CASH AMERICA, INC., GEORGIA CASH AMERICA, INC., CASH
AMERICA, INC. OF LOUISIANA, CASH AMERICA, INC. OF NORTH CAROLINA, CASH AMERICA,
INC. OF TENNESSEE, CASH AMERICA, INC. OF OKLAHOMA, CASH AMERICA, INC. OF
KENTUCKY, CASH AMERICA PAWN, INC. OF

                                      -2-
<PAGE>   3

OHIO, CASH AMERICA MANAGEMENT L.P., CASH AMERICA PAWN L.P., CASH AMERICA
HOLDING, INC., EXPRESS CASH INTERNATIONAL CORPORATION, CASH AMERICA, INC. OF
ALABAMA, CASH AMERICA, INC. OF COLORADO, CASH AMERICA, INC. OF INDIANA, CASH
AMERICA, INC., CASH AMERICA OF MISSOURI, INC., VINCENT'S JEWELERS AND LOAN,
INC., CASH AMERICA, INC. OF UTAH, CASH AMERICA FRANCHISING, INC., CASH AMERICA
FINANCIAL SERVICES, INC., CASH AMERICA, INC. OF ILLINOIS, UPTOWN CITY PAWNERS,
INC., DOC HOLLIDAY'S PAWNBROKERS & JEWELERS, INC., LONGHORN PAWN & GUN, INC.,
BRONCO PAWN & GUN, INC., GAMECOCK PAWN & GUN, INC., HORNET PAWN & GUN, INC.,
TIGER PAWN & GUN, INC., RENT-A-TIRE, INC., and MR. PAYROLL CORPORATION, a
Delaware corporation, as Guarantors, do each acknowledge and approve the Note
Agreement, as amended by this Third Supplement, and the other Loan Documents,
and the terms thereof, and specifically agree to comply with all provisions
therein and herein which refer to or affect such Guarantors.

                                      -3-
<PAGE>   4

         IN WITNESS WHEREOF, the undersigned have executed this Third Supplement
to 1997 Note Agreement as of the date first written above.

                              CASH AMERICA INTERNATIONAL, INC.

                              By: /s/ Thomas A. Bessant, Jr.
                                  ----------------------------------------------
                                  Thomas A. Bessant, Jr. Chief Financial Officer

ACCEPTED AND AGREED TO:

                              THE TRAVELERS INSURANCE COMPANY

                              By: /s/ A. William Carnduff
                                  ----------------------------------------------
                                  Its: Second Vice President

                              THE TRAVELERS LIFE AND ANNUITY COMPANY

                              By: /s/ A. William Carnduff
                                  ----------------------------------------------
                                  Its: Second Vice President

                              PRIMERICA LIFE INSURANCE COMPANY

                              By: /s/ A. William Carnduff
                                  ----------------------------------------------
                                  Its: Second Vice President

                              NATIONWIDE LIFE INSURANCE COMPANY

                              By: /s/ Mark W. Poeppelman
                                  ----------------------------------------------
                                  Its: Associate Vice President

                                      -4-
<PAGE>   5

                              EMPLOYERS LIFE INSURANCE COMPANY OF WAUSAU

                              By:
                                  ----------------------------------------------
                                  Its:

                              OHIO NATIONAL LIFE ASSURANCE CORPORATION

                              By: /s/ Michael A. Boedeker
                                  ----------------------------------------------
                                  Its: Vice President, Senior Investment Officer

                              MINNESOTA LIFE INSURANCE COMPANY
                              BY: ADVANTUS CAPITAL MANAGEMENT, INC.

                              By: /s/ Guy de Lambert
                                  ----------------------------------------------
                                  Its: Vice President

                                      -5-
<PAGE>   6

                          GUARANTORS

                             CASH AMERICA, INC. OF SOUTH CAROLINA
                             FLORIDA CASH AMERICA, INC.
                             GEORGIA CASH AMERICA, INC.
                             CASH AMERICA, INC. OF LOUISIANA
                             CASH AMERICA, INC. OF NORTH CAROLINA
                             CASH AMERICA, INC. OF TENNESSEE
                             CASH AMERICA, INC. OF OKLAHOMA
                             CASH AMERICA, INC. OF KENTUCKY
                             CASH AMERICA PAWN, INC. OF OHIO
                             CASH AMERICA MANAGEMENT L.P., a Delaware
                                limited partnership, by its general partner,
                                Cash America Holding, Inc.
                             CASH AMERICA PAWN L.P., a Delaware limited
                                partnership, by its general partner, Cash
                                America Holding, Inc.
                             CASH AMERICA HOLDING, INC.
                             EXPRESS CASH INTERNATIONAL CORPORATION
                             CASH AMERICA, INC. OF ALABAMA
                             CASH AMERICA, INC. OF COLORADO
                             CASH AMERICA, INC. OF INDIANA
                             CASH AMERICA, INC.
                             CASH AMERICA OF MISSOURI, INC.
                             VINCENT'S JEWELERS AND LOAN, INC.
                             CASH AMERICA, INC. OF UTAH
                             CASH AMERICA FRANCHISING, INC.
                             CASH AMERICA FINANCIAL SERVICES, INC.
                             CASH AMERICA, INC. OF ILLINOIS
                             UPTOWN CITY PAWNERS, INC.
                             DOC HOLLIDAY'S PAWNBROKERS & JEWELERS, INC.
                             LONGHORN PAWN & GUN, INC.
                             BRONCO PAWN & GUN, INC.
                             GAMECOCK PAWN & GUN, INC.
                             HORNET PAWN & GUN, INC.
                             TIGER PAWN & GUN, INC.
                             RENT-A-TIRE, INC.
                             MR. PAYROLL CORPORATION, a Delaware
                                corporation

                             By: /s/ Thomas A. Bessant, Jr.
                                 -------------------------------------------
                                 Thomas A. Bessant, Jr., Chief Financial Officer

                                      -6-<PAGE>   1

                                                                    EXHIBIT 10.2

                     SIXTH SUPPLEMENT TO 1995 NOTE AGREEMENT

         This Sixth Supplement to 1995 Note Agreement (the "Sixth Supplement")
is made and entered into as of the 30th day of June, 2000, by and between Cash
America International, Inc. (the "Company") and Teachers Insurance and Annuity
Association of America ("Teachers").

                                    RECITALS

         WHEREAS, the parties hereto have entered into a Note Agreement dated as
of July 7, 1995, pursuant to which the Company issued and Teachers purchased
$20,000,000 aggregate principal amount of the Company's 8.14% Senior Notes Due
July 7, 2007, and the parties have amended said Note Agreement by entering into
a First Supplement to 1995 Note Agreement dated as of November 10, 1995, a
Second Supplement to 1995 Note Agreement dated as of December 30, 1996, a Third
Supplement to 1995 Note Agreement dated as of December 30, 1997, a Fourth
Supplement to 1995 Note Agreement dated as of December 31, 1998, and a Fifth
Supplement to 1995 Note Agreement dated as of September 29, 1999 (said Note
Agreement, as amended, being referred to hereafter as the "Note Agreement"); and

         WHEREAS, the Company and Teachers desire to amend certain provisions of
the Note Agreement.

         NOW, THEREFORE, in consideration of the premises and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the Company and Teachers hereby agree as follows:

SECTION 1. AMENDMENT TO SECTION 9.06 OF THE NOTE AGREEMENT.

         Section 9.06 of the Note Agreement is hereby amended and restated to
read in its entirety as follows:

              Section 9.06. Fixed Charge Coverage. The Company will not at any
         time permit the ratio of (a) the sum of Consolidated Adjusted Net
         Income for the Computation Period plus the aggregate amount of all
         taxes, rents, leases and interest expenses deducted from gross income
         to obtain such Consolidated Adjusted Net Income to (b) the aggregate
         amount of all such rents, leases and interest expenses so deducted to
         be less than (i) 1.25 to 1 if the Computation Period ends on or before
         March 31, 2001, (ii) 1.35 to 1 if the Computation Period ends after
         March 31, 2001 but on or before September 30, 2001, and (iii) 1.5 to 1
         if the Computation Period ends after September 30, 2001. As used in
         this Section 9.06, "Computation Period" means, at any time, the period
         of four consecutive Fiscal Quarters ended on the date of the most
         recent balance sheet delivered (or required to be delivered) by the
         Company pursuant to clause (a) or (b) of Section 8.01.

<PAGE>   2

SECTION 2. SUPPLEMENT FEE.

         The Company covenants and agrees to pay a supplement fee to Teachers in
an amount equal to the product of (a) 0.250% and (b) the total outstanding
principal balance of the Notes on August 15, 2000. Such supplement fee shall be
paid in immediately available funds and shall be due and payable to Teachers no
later than one Business Day after August 15, 2000. The Company agrees that the
failure to pay the supplement fee provided in this Section 2 shall be an Event
of Default under Section 10.01(b) of the Note Agreement.

SECTION 3. DEFINITIONS.

         All capitalized terms used herein and not otherwise specifically
defined shall have the respective meanings set forth in the Note Agreement.

SECTION 4. PAYMENT OF TEACHERS' COUNSEL FEES AND EXPENSES.

         The Company agrees to pay upon demand, the reasonable fees and expenses
of Chapman and Cutler, counsel to Teachers, in connection with the negotiation,
preparation, approval, execution and delivery of this Sixth Supplement.

SECTION 5. RATIFICATION OF NOTE AGREEMENT.

         Except as specified hereinabove, all other terms of the Note Agreement
shall remain unchanged and are hereby ratified and confirmed. All references to
"this Agreement" or "the Agreement" appearing in the Note Agreement, and all
references to the Note Agreement appearing in any other instrument or document,
shall be deemed to refer to the Note Agreement as supplemented and amended by
this Sixth Supplement.

SECTION 6. COUNTERPARTS.

         This Sixth Supplement may be executed in any number of counterparts and
by the parties hereto on separate counterparts, each of which when so executed
and delivered shall be an original, but all the counterparts shall together
constitute one and the same instrument.

         By signing below where indicated, the undersigned, CASH AMERICA, INC.
OF SOUTH CAROLINA, FLORIDA CASH AMERICA, INC., GEORGIA CASH AMERICA, INC., CASH
AMERICA, INC. OF LOUISIANA, CASH AMERICA, INC. OF NORTH CAROLINA, CASH AMERICA,
INC. OF TENNESSEE, CASH AMERICA, INC. OF OKLAHOMA, CASH AMERICA, INC. OF
KENTUCKY, CASH AMERICA PAWN, INC. OF OHIO, CASH AMERICA MANAGEMENT L.P., CASH
AMERICA PAWN L.P., CASH AMERICA HOLDING, INC., EXPRESS CASH INTERNATIONAL
CORPORATION, CASH AMERICA, INC. OF ALABAMA, CASH AMERICA, INC. OF COLORADO, CASH
AMERICA, INC. OF INDIANA, CASH AMERICA, INC., CASH AMERICA OF MISSOURI, INC.,
VINCENT'S JEWELERS AND LOAN, INC., CASH AMERICA, INC. OF UTAH, CASH AMERICA
FRANCHISING, INC., CASH AMERICA FINANCIAL SERVICES, INC., CASH AMERICA, INC. OF
ILLINOIS, UPTOWN CITY PAWNERS, INC., DOC HOLLIDAY'S PAWNBROKERS & JEWELERS,
INC., LONGHORN PAWN & GUN, INC., BRONCO PAWN & GUN, INC., GAMECOCK PAWN & GUN,
INC.,

                                      -2-
<PAGE>   3

HORNET PAWN & GUN, INC., TIGER PAWN & GUN, INC., RENT-A-TIRE, INC., AND MR.
PAYROLL CORPORATION, a Delaware corporation, as Guarantors, do each acknowledge
and approve the Note Agreement, as amended by this Sixth Supplement, and the
other Loan Documents, and the terms thereof, and specifically agree to comply
with all provisions therein and herein which refer to or affect such Guarantors.

                                      -3-
<PAGE>   4

         IN WITNESS WHEREOF, the undersigned have executed this Sixth Supplement
to 1995 Note Agreement as of the date first written above.

                             CASH AMERICA INTERNATIONAL, INC.

                             By: /s/ Thomas A. Bessant, Jr.
                                 -----------------------------------------------
                                 Thomas A. Bessant, Jr., Chief Financial Officer

                             ACCEPTED AND AGREED TO:

                             TEACHERS INSURANCE AND ANNUITY ASSOCIATION
                                OF AMERICA

                             By: /s/ Diane Hom
                                 -----------------------------------------------
                                 Director-Private Placements

                                      -4-

<PAGE>   5

                          GUARANTORS

                          CASH AMERICA, INC. OF SOUTH CAROLINA
                          FLORIDA CASH AMERICA, INC.
                          GEORGIA CASH AMERICA, INC.
                          CASH AMERICA, INC. OF LOUISIANA
                          CASH AMERICA, INC. OF NORTH CAROLINA
                          CASH AMERICA, INC. OF TENNESSEE
                          CASH AMERICA, INC. OF OKLAHOMA
                          CASH AMERICA, INC. OF KENTUCKY
                          CASH AMERICA PAWN, INC. OF OHIO
                          CASH AMERICA MANAGEMENT L.P., a Delaware limited
                             partnership, by its general partner,
                             Cash America Holding, Inc.
                          CASH AMERICA PAWN L.P., a Delaware limited
                             partnership, by its general partner, Cash America
                             Holding, Inc.
                          CASH AMERICA HOLDING, INC.
                          EXPRESS CASH INTERNATIONAL CORPORATION
                          CASH AMERICA, INC. OF ALABAMA
                          CASH AMERICA, INC. OF COLORADO
                          CASH AMERICA, INC. OF INDIANA
                          CASH AMERICA, INC.
                          CASH AMERICA OF MISSOURI, INC.
                          VINCENT'S JEWELERS AND LOAN, INC.
                          CASH AMERICA, INC. OF UTAH
                          CASH AMERICA FRANCHISING, INC.
                          CASH AMERICA FINANCIAL SERVICES, INC.
                          CASH AMERICA, INC. OF ILLINOIS
                          UPTOWN CITY PAWNERS, INC.
                          DOC HOLLIDAY'S PAWNBROKERS & JEWELERS, INC.
                          LONGHORN PAWN & GUN, INC.
                          BRONCO PAWN & GUN, INC.
                          GAMECOCK PAWN & GUN, INC.
                          HORNET PAWN & GUN, INC.
                          TIGER PAWN & GUN, INC.
                          RENT-A-TIRE, INC.
                          MR. PAYROLL CORPORATION, a Delaware
                             corporation

                          By: /s/ Thomas A. Bessant, Jr.
                              -----------------------------------------------
                              Thomas A. Bessant, Jr., Chief Financial Officer

                                      -5-

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