ITEM 1.01 ENTRY INTO A MATERIAL DEFINITIVE AGREEMENT

On September 15, 2021, EFR 2018-1, LLC ("EFR 2018-1"), a wholly-owned indirect subsidiary of Enova International, Inc. (the "Company"), amended its existing revolving receivables facility (the "PacWest Facility") by entering into that certain First Amendment to Loan and Security Agreement and Indemnity Agreement (the "First Amendment") with the lenders party thereto from time to time and Pacific Western Bank, as agent.



The following table summarizes certain key terms of the amended PacWest
Facility:



                                   Revolving Loans
Commitment Amount                   $150,000,000
Borrowing Rate               30-Day Average SOFR + 4.25%

Borrowing Base Advance Rate              90%
Revolving Period Termination     September 15, 2024
Maturity Date                    September 15, 2026

The foregoing description of the First Amendment does not purport to be complete and is qualified in its entirety by reference to the Loan and Security Agreement, as amended by the First Amendment, which will be filed as an exhibit to the Company's Quarterly Report on Form 10-Q for the quarter ending September 30, 2021.

ITEM 2.03CREATION 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.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS

(d)Exhibits

The following exhibits are furnished as part of this Report on Form 8-K:





Exhibit No. Description
104         Cover Page Interactive Data File (embedded within the
            Inline XBRL document)



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