Material Agreement, Financial Obligation (Form 8-K)

Item 1.01 Entry into a Material Definitive Agreement.

NetCredit 2022 - Fourth Amendment to Note Issuance and Purchase Agreement

On October 13, 2026, NetCredit Receivables 2022, LLC ("NetCredit 2022"), a wholly-owned indirect subsidiary of Enova International, Inc. (the "Company"), amended that certain Note Issuance and Purchase Agreement (the "Note Issuance and Purchase Agreement"), dated October 21, 2022, by entering into that certain Fourth Amendment to Note Issuance and Purchase Agreement (the "Fourth Amendment") with 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.

The following table summarizes certain key terms of the Note Issuance and Purchase Agreement, as amended by the Fourth Amendment.

The foregoing description of the amended Note Issuance and Purchase Agreement does not purport to be complete and is qualified in its entirety by reference to the Note Issuance and Purchase Agreement, as amended by the Fourth Amendment, that will be filed as an exhibit to the Company's Annual Report on Form 10-K for the fiscal year ending December 31, 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.