Enova International, Inc. Sample Contracts
ENOVA INTERNATIONAL, INC. as Issuer the Guarantors party hereto and COMPUTERSHARE TRUST COMPANY, N.A. as Trustee Indenture Dated as of August 12, 2024 9.125% Senior Notes due 2029Indenture • August 12th, 2024 • Enova International, Inc. • Personal credit institutions • New York
INDENTURE, dated as of August 12, 2024, between ENOVA INTERNATIONAL, INC., a Delaware corporation, as the Company, the Guarantors party hereto and COMPUTERSHARE TRUST COMPANY, N.A., as Trustee.
AGREEMENT AND PLAN OF MERGER by and among ENOVA INTERNATIONAL, INC., ENERGY MERGER SUB, INC. and ON DECK CAPITAL, INC. Dated as of July 28, 2020Merger Agreement • October 13th, 2020 • Enova International, Inc. • Personal credit institutions • Delaware
THIS AGREEMENT AND PLAN OF MERGER (this “Agreement”) is made and entered into as of July 28, 2020, by and among Enova International, Inc., a Delaware corporation (“Parent”), Energy Merger Sub, Inc., a Delaware corporation and an indirect wholly owned subsidiary of Parent (“Merger Sub”), and On Deck Capital, Inc., a Delaware corporation (the “Company”). Each of Parent, Merger Sub and the Company are sometimes referred to as a “Party” and collectively, as the “Parties.” All capitalized terms that are used in this Agreement have the respective meanings given to them in this Agreement.
ENOVA INTERNATIONAL, INC. REGISTRATION RIGHTS AGREEMENTRegistration Rights Agreement • July 31st, 2014 • Enova International, Inc. • Personal credit institutions • New York
Enova International, Inc., a Delaware corporation (the “Company”), is issuing and selling to Jefferies LLC (the “Initial Purchaser”), upon the terms set forth in the Purchase Agreement dated May 23, 2014, by and among the Company, the Initial Purchaser and the subsidiary guarantors named therein (the “Purchase Agreement”), $500,000,000 aggregate principal amount of 9.75% Senior Notes due 2021 issued by the Company (each, a “Note” and collectively, the “Notes”). As an inducement to the Initial Purchaser to enter into the Purchase Agreement, the Company and the subsidiary guarantors listed in the signature pages hereto agree with the Initial Purchaser, for the benefit of the Holders (as defined below) of the Notes (including, without limitation, the Initial Purchaser), as follows:
AMENDMENT NO. 10 TO FOURTH AMENDED AND RESTATED CREDIT AGREEMENT AND OMNIBUS AMENDMENTCredit Agreement • February 18th, 2025 • Enova International, Inc. • Personal credit institutions • New York
This FOURTH AMENDED AND RESTATED CREDIT AGREEMENT, dated as of December 17, 2018, is entered into by and among Receivable Assets of ONDECK, LLC, a Delaware limited liability company (“Company”), the Lenders party hereto from time to time and TRUIST BANK, as Administrative Agent for the Lenders (in such capacity, “Administrative Agent”), COMPUTERSHARE TRUST COMPANY, NATIONAL ASSOCIATION (as successor to Wells Fargo Bank, N.A.), as Paying Agent (in such capacity, “Paying Agent”) and as Collateral Agent for the Secured Parties (in such capacity, “Collateral Agent”).
Enova International, Inc. Executive Change-in-Control Severance and Restrictive Covenant Agreement (Executive Officers Other Than the CEO)Executive Change-in-Control Severance and Restrictive Covenant Agreement • February 28th, 2022 • Enova International, Inc. • Personal credit institutions
THIS EXECUTIVE CHANGE-IN-CONTROL SEVERANCE AND RESTRICTIVE COVENANT AGREEMENT (the “Agreement”) is made and entered into by and between Enova International, Inc. (the “Company”), a Delaware corporation, and ________________ (“Executive”), and is effective as of __________ __, ______ (hereinafter referred to as the “Effective Date”).
ENOVA INTERNATIONAL, INC. as Issuer the Guarantors party hereto and COMPUTERSHARE TRUST COMPANY, N.A. as Trustee Indenture Dated as of December 6, 2023 11.25% Senior Notes due 2028Indenture • December 11th, 2023 • Enova International, Inc. • Personal credit institutions • New York
INDENTURE, dated as of December 6, 2023, between ENOVA INTERNATIONAL, INC., a Delaware corporation, as the Company, the Guarantors party hereto and COMPUTERSHARE TRUST COMPANY, N.A., as Trustee.
ENOVA INTERNATIONAL, INC. as Issuer the Guarantors party hereto and COMPUTERSHARE TRUST COMPANY, N.A. as Trustee Indenture Dated as of September 19, 2018 8.500% Senior Notes Due 2025Indenture • October 31st, 2018 • Enova International, Inc. • Personal credit institutions • New York
INDENTURE, dated as of September 19, 2018, between ENOVA INTERNATIONAL, INC., a Delaware corporation, as the Company, the Guarantors party hereto and COMPUTERSHARE TRUST COMPANY, N.A., as Trustee.
Secured Revolving Loan Facility LOAN AND SECURITY AGREEMENT Among EFR 2018-1, LLC, a Delaware limited liability company, as Borrower, and PACIFIC WESTERN BANK, as Administrative Agent, Payment Agent, Collateral Agent and a Lender Dated as of July 23, 2018Loan and Security Agreement • October 31st, 2018 • Enova International, Inc. • Personal credit institutions • New York
ENOVA INTERNATIONAL, INC. FOURTH AMENDED AND RESTATED NONQUALIFIED STOCK OPTION WITH A LIMITED STOCK APPRECIATION RIGHTNonqualified Stock Option Agreement • February 18th, 2025 • Enova International, Inc. • Personal credit institutions • Illinois
This Fourth Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for a Special Grant of Nonqualified Stock Option with a Limited Stock Appreciation Right (the “Agreement”) is entered into by and between Enova International, Inc. (the “Company”) and accepted by the “Optionee” detailed below:
ENOVA INTERNATIONAL, INC. SPECIAL GRANT OF NONQUALIFIED STOCK OPTION WITH A LIMITED STOCK APPRECIATION RIGHTNonqualified Stock Option Agreement • October 17th, 2014 • Enova International, Inc. • Personal credit institutions • Illinois
This 2014 Long-Term Incentive Plan Award Agreement – Special Grant of Nonqualified Stock Option with a Limited Stock Appreciation Right (the “Agreement”) is entered into as of the day of , 2014, by and between Enova International, Inc. (the “Company”) and (“Optionee”).
AMENDED AND RESTATED CREDIT AGREEMENT among ENOVA INTERNATIONAL, INC., as a Borrower and the Parent, CERTAIN RESTRICTED SUBSIDIARIES OF THE PARENT FROM TIME TO TIME PARTY HERETO, as Borrowers, CERTAIN RESTRICTED SUBSIDIARIES OF THE PARENT FROM TIME TO...Credit Agreement • July 29th, 2022 • Enova International, Inc. • Personal credit institutions • New York
THIS AMENDED AND RESTATED CREDIT AGREEMENT, dated as of June 23, 2022, is by and among ENOVA INTERNATIONAL, INC., a Delaware corporation (“Parent”), certain wholly-owned Restricted Subsidiaries (as hereinafter defined) of the Parent party hereto from time to time as borrowers (each such person and the Parent, individually, a “Borrower” and collectively, jointly and severally, the “Borrowers”), the Guarantors (as hereinafter defined), the Lenders (as hereinafter defined) and BANK OF MONTREAL, as successor administrative agent and collateral agent for the Lenders hereunder (in such capacities, the “Administrative Agent”).
SECOND AMENDMENT TO NOTE ISSUANCE AND PURCHASE AGREEMENTNote Issuance and Purchase Agreement • February 18th, 2025 • Enova International, Inc. • Personal credit institutions • New York
THIS SECOND AMENDMENT TO NOTE ISSUANCE AND PURCHASE AGREEMENT (this “Amendment”), dated as of October 15, 2024, is entered into by and among NetCredit Receivables 2022, LLC, a Delaware limited liability company (“Issuer”), Jefferies Funding LLC (“Jefferies”), as sole note purchaser (in such capacity, the “Requisite Note Purchaser”), Citibank, N.A., as collateral agent for the Secured Parties (in such capacity, “Collateral Agent”), and Jefferies, as administrative agent for itself and for the other Note Purchasers (in such capacity, “Administrative Agent”).
SECOND AMENDMENT TO NOTE ISSUANCE AND PURCHASE AGREEMENTNote Issuance and Purchase Agreement • April 23rd, 2026 • Enova International, Inc. • Personal credit institutions • New York
This SECOND AMENDMENT TO NOTE ISSUANCE AND PURCHASE AGREEMENT (this “Amendment”) is entered into this 30th day of March, 2026, by and among NETCREDIT LOC RECEIVABLES 2024, LLC, a Delaware limited liability company (“Issuer”), each of the undersigned existing Note Purchasers (in such capacity, each, an “Existing Note Purchaser”, and collectively, the “Existing Note Purchasers”), each of the undersigned joining Note Purchasers (in such capacity, each, a “Joining Note Purchaser”, and collectively, the “Joining Note Purchasers”, and together with the Existing Note Purchasers, each, a “Note Purchaser”, and collectively, the “Note Purchasers”) CITIBANK, N.A. (“Citibank”), not in its individual capacity but solely as collateral trustee for the Secured Parties (in such capacity, “Collateral Trustee”), and MIDTOWN MADISON MANAGEMENT LLC, as Administrative Agent for itself and for the other Note Purchasers (in such capacity, “Administrative Agent”).
FIRST AMENDMENT TO INDENTUREIndenture • February 18th, 2025 • Enova International, Inc. • Personal credit institutions • New York
THIS FIRST AMENDMENT TO INDENTURE (this “First Amendment”), dated as of July 31, 2024, is by and between NETCREDIT COMBINED RECEIVABLES 2024, LLC, a Delaware limited liability company (“Issuer”), and CITIBANK, N.A., not in its individual capacity but solely in its capacity as the indenture trustee (the Indenture Trustee”), as the initial securities intermediary (the “Securities Intermediary”), as note registrar (the “Note Registrar”) and as paying agent (the “Paying Agent”).
TRANSITION SERVICES AGREEMENT BY AND BETWEEN CASH AMERICA INTERNATIONAL, INC. AND ENOVA INTERNATIONAL, INC. Dated as of [ ], 2014Transition Services Agreement • October 2nd, 2014 • Enova International, Inc. • Personal credit institutions • Texas
This TRANSITION SERVICES AGREEMENT (this “Agreement”) is entered into as of , 2014, between Cash America International, Inc., a Texas corporation (“Parent”), and Enova International, Inc., a Delaware corporation (“Enova”).
SOFTWARE LEASE AND MAINTENANCE AGREEMENTSoftware Lease and Maintenance Agreement • October 17th, 2014 • Enova International, Inc. • Personal credit institutions • Illinois
This Software Lease and Maintenance Agreement (the “Agreement”) is executed and entered into to be effective as of this day of November, 2014 (the “Effective Date”), by and between Enova International, Inc., a Delaware corporation, having its principal place of business at 200 W. Jackson Blvd., Suite 500, Chicago, IL 60606, and its subsidiaries (collectively, “Enova”), and Cash America International, Inc., a Texas corporation, having its principal place of business at 1600 West 7th Street, Fort Worth, Texas 76102, and its subsidiaries (collectively, “Cash America”). Enova and Cash America may each be referred to as a “Party” and may be collectively referred to as the “Parties.” The Parties agree as follows:
Amendment No. 4 to Credit Agreement and Reaffirmation of Performance GuarantyCredit Agreement • April 23rd, 2026 • Enova International, Inc. • Personal credit institutions • New York
This CREDIT AGREEMENT, dated as of June 30, 2022, is entered into by and among OnDeck Receivables 2022, LLC, a Delaware limited liability company (“Company”), the Lenders party hereto from time to time, BMO CAPITAL MARKETS CORP., as Administrative Agent for the Lenders (in such capacity, “Administrative Agent”) and as Collateral Agent for the Secured Parties (in such capacity, “Collateral Agent”), and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Paying Agent (in such capacity, “Paying Agent”).
AMENDMENT NO. 3 AND REVOLVING COMMITMENT INCREASEAmendment No. 3 and Revolving Commitment Increase • March 7th, 2016 • Enova International, Inc. • Personal credit institutions • New York
THIS AMENDMENT NO. 3 AND REVOLVING COMMITMENT INCREASE, dated as of December 29, 2015 (this “Commitment Increase Agreement”), by and among ENOVA INTERNATIONAL, INC., a Delaware corporation, as borrower (the “Company”), the Guarantors party hereto, the Lender listed on the signature pages hereto (the “Amendment No. 3 Increasing Lender”) and Jefferies Finance LLC, as administrative agent (in such capacity, the “Administrative Agent”). Capitalized terms used herein but not defined herein shall have the meanings used in the Credit Agreement (as defined below).
LOAN AND SECURITY AGREEMENTLoan and Security Agreement • May 1st, 2019 • Enova International, Inc. • Personal credit institutions • New York
REGISTRATION RIGHTS AGREEMENT BY AND BETWEEN CASH AMERICA INTERNATIONAL, INC. AND ENOVA INTERNATIONAL, INC. Dated as of , 2012Registration Rights Agreement • April 13th, 2012 • Enova International, Inc. • Personal credit institutions • Texas
THIS REGISTRATION RIGHTS AGREEMENT (this “Agreement”) is entered into as of , 2012, by and between Cash America International, Inc., a Texas corporation (“Parent”), and Enova International, Inc., a Delaware corporation and wholly-owned subsidiary of Parent (“Enova” and, together with Parent, the “parties”).
MARKETING AND CUSTOMER REFERRAL AGREEMENT BY AND BETWEEN CASH AMERICA INTERNATIONAL, INC. AND ENOVA INTERNATIONAL, INC. Dated as of , 2012Marketing and Customer Referral Agreement • April 13th, 2012 • Enova International, Inc. • Personal credit institutions • Texas
THIS MARKETING AND CUSTOMER REFERRAL AGREEMENT (this “Agreement”) is executed to be effective as of , 2012 (the “Effective Date”), by and between CASH AMERICA INTERNATIONAL, INC. a Texas corporation (“Parent”), and ENOVA INTERNATIONAL, INC., a Delaware corporation (“Enova International”). Cash America and Enova International may be collectively referred to as the “parties,” and individually as a “party.”
FORM OF VOTING AGREEMENTVoting Agreement • December 11th, 2025 • Enova International, Inc. • Personal credit institutions • Delaware
This VOTING AGREEMENT (this “Agreement”) is made and entered into as of December 10, 2025, by and among Enova International, Inc., a Delaware corporation (“Enova”), Grasshopper Bancorp, Inc., a Delaware corporation (“Grasshopper”), and the undersigned stockholder [and director][and executive officer] of Grasshopper (each such undersigned, as to himself, herself or itself, “Stockholder”).
AMENDMENT NO. 5 TO CREDIT AGREEMENTCredit Agreement • November 2nd, 2016 • Enova International, Inc. • Personal credit institutions • New York
This AMENDMENT NO. 5 TO CREDIT AGREEMENT (this “Amendment”), dated as of September 30, 2016, is by and among ENOVA INTERNATIONAL, INC., a Delaware corporation (the “Borrower”), the Guarantors (as defined in the Credit Agreement), the Required Lenders (as defined in the Credit Agreement) and JEFFERIES FINANCE LLC, as administrative agent for the Lenders hereunder (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 (as defined below).
SEPARATION AGREEMENT BY AND AMONG CASH AMERICA INTERNATIONAL, INC. AND ENOVA INTERNATIONAL, INC. Dated as of , 2012Separation Agreement • April 13th, 2012 • Enova International, Inc. • Personal credit institutions • Texas
THIS SEPARATION AGREEMENT (this “Agreement”) is entered into as of , 2012, by and between Cash America International, Inc., a Texas corporation (“Parent”), and Enova International, Inc., a Delaware corporation and wholly-owned subsidiary of Parent (“Enova” and, together with Parent, the “parties”). Capitalized terms used herein and not otherwise defined shall have the meanings set forth in Article I hereof.
AGREEMENT AND PLAN OF MERGER BY AND BETWEEN ENOVA INTERNATIONAL, INC. AND GRASSHOPPER BANCORP, INC. Dated as of December 10, 2025Merger Agreement • December 11th, 2025 • Enova International, Inc. • Personal credit institutions • Delaware
THIS AGREEMENT AND PLAN OF MERGER (this “Agreement XE "Agreement" ”) is made and entered into as of December 10, 2025, by and among Enova International, Inc. (“Enova XE "Enova" ”), a Delaware corporation, and Grasshopper Bancorp, Inc. (“Grasshopper”), XE "Grasshopper" a Delaware corporation.
TAX SHARING AGREEMENT BY AND BETWEEN CASH AMERICA INTERNATIONAL, INC. AND ENOVA INTERNATIONAL, INC. Dated as of , 2012Tax Sharing Agreement • April 13th, 2012 • Enova International, Inc. • Personal credit institutions • Texas
This TAX SHARING AGREEMENT (the “Agreement”) is dated as of , 2012, by and between Cash America International, Inc. (“Parent”), a Texas corporation and Enova International, Inc. (“Enova”), a Delaware corporation.
STOCKHOLDER’S AND REGISTRATION RIGHTS AGREEMENT BY AND BETWEEN CASH AMERICA INTERNATIONAL, INC. AND ENOVA INTERNATIONAL, INC. Dated as of [ ]Stockholder’s and Registration Rights Agreement • September 12th, 2014 • Enova International, Inc. • Personal credit institutions • Delaware
This Stockholder’s and Registration Rights Agreement (this “Agreement”) is made as of [ ] by and between Cash America International, Inc., a Texas corporation (“Cash America”), and Enova International, Inc., a Delaware corporation and wholly owned subsidiary of Cash America (“Enova”). Capitalized terms used herein and not otherwise defined shall have the respective meanings assigned to them in Section 1.01.
SEPARATION AND DISTRIBUTION AGREEMENT BY AND BETWEEN CASH AMERICA INTERNATIONAL, INC. AND ENOVA INTERNATIONAL, INC. Dated as of [ ], 2014Separation and Distribution Agreement • September 12th, 2014 • Enova International, Inc. • Personal credit institutions • Texas
THIS SEPARATION AND DISTRIBUTION AGREEMENT (this “Agreement”) is entered into as of [ ], 2014, by and between Cash America International, Inc., a Texas corporation (“Parent”), and Enova International, Inc., a Delaware corporation and wholly-owned subsidiary of Parent (“Enova” and, together with Parent, the “parties”). Capitalized terms used herein and not otherwise defined shall have the meanings set forth in Article I hereof.
TAX MATTERS AGREEMENT BY AND BETWEEN CASH AMERICA INTERNATIONAL, INC. AND ENOVA INTERNATIONAL, INC. Dated as of November 12, 2014Tax Matters Agreement • November 19th, 2014 • Enova International, Inc. • Personal credit institutions
This TAX MATTERS AGREEMENT (this “Agreement”) is entered into as of November 12, 2014 by and between Cash America International, Inc., a Texas corporation (“Parent”), and Enova International, Inc., a Delaware corporation and a wholly owned subsidiary of Parent (“Enova”) (Parent and Enova are sometimes referred to together as the “Companies” and, as the context requires, individually as the “Company”).
FOURTH AMENDMENT TO LOAN AND SECURITY AGREEMENTLoan and Security Agreement • February 18th, 2025 • Enova International, Inc. • Personal credit institutions
THIS FOURTH AMENDMENT TO LOAN AND SECURITY AGREEMENT (this “Amendment”), dated as of December 21, 2022, is entered into by and among EFR 2018-1, LLC, a Delaware limited liability company (“Borrower”), each of the Lenders (as defined in the Loan Agreement) signatory hereto, and PACIFIC WESTERN BANK, as administrative, payment and collateral agent for the Secured Parties (as defined in the Loan Agreement) (in such capacities, “Agent”).
AMENDMENT NO. 1 TO AGREEMENT AND PLAN OF MERGERAgreement and Plan of Merger • December 18th, 2025 • Enova International, Inc. • Personal credit institutions
THIS AMENDMENT NO. 1 (this “Amendment”) to the Agreement and Plan of Merger, dated as of December 10, 2025 (the “Merger Agreement”) is made and entered into as of December 18, 2025, by and between Enova International, Inc. (“Enova”), a Delaware corporation, and Grasshopper Bancorp, Inc. (“Grasshopper”), a Delaware corporation.
FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT AND INDEMNITY AGREEMENTLoan and Security Agreement and Indemnity Agreement • October 29th, 2021 • Enova International, Inc. • Personal credit institutions
THIS FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT AND INDEMNITY AGREEMENT (this “Amendment”), dated as of September 15, 2021, is entered into by and among EFR 2018-1, LLC, a Delaware limited liability company (“Borrower”), each of the Lenders (as defined in the Loan Agreement) signatory hereto, and PACIFIC WESTERN BANK, as administrative, payment and collateral agent for the Secured Parties (as defined in the Loan Agreement) (in such capacities, “Agent”).
ENOVA INTERNATIONAL, INC. THIRD AMENDED AND RESTATED FOR GRANT OF RESTRICTED STOCK UNITSLong-Term Incentive Plan Award Agreement • February 23rd, 2024 • Enova International, Inc. • Personal credit institutions • Illinois
This Third Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for Grant of Restricted Stock Units (the “Agreement”) is entered into by and between Enova International, Inc. (the “Company”) and the “Associate” detailed below
CASH AMERICA INTERNATIONAL, INC. Fort Worth, Texas 76102Separation Agreement • July 31st, 2014 • Enova International, Inc. • Personal credit institutions • Illinois
This letter agreement and release of claims (this “Agreement”) sets forth the terms and conditions governing (i) your continued employment with Enova Financial Holdings, LLC (“Enova”), (ii) the termination of your employment relationship with Enova, and any relationship with Cash America International, Inc. (“CAI”), Enova International, Inc., and all of their affiliates and subsidiaries (collectively, the “Company”), and (iii) your release of the Company and related parties. Additionally, it is agreed that this Agreement sets forth the entire agreement between you and the Company (the “Parties”) and its predecessors, directors, officers, employees, agents and representatives relating to the separation of your employment.
Secured Revolving Loan Facility LOAN AND SECURITY AGREEMENT Among EFR 2018-2, LLC, as Borrower, CREDIT SUISSE AG, New York Branch, as Agent and Managing Agent, and THE LENDER GROUPS PARTY HERETO FROM TIME TO TIME Dated as of October 23, 2018Loan and Security Agreement • February 27th, 2019 • Enova International, Inc. • Personal credit institutions • New York
THIS LOAN AND SECURITY AGREEMENT (the “Agreement”) dated as of October 23, 2018, is entered into by and between EFR 2018-2, LLC, a Delaware limited liability company (“Borrower”), the Conduit Lenders (as hereinafter defined) from time to time parties hereto, the Lenders (as hereinafter defined) from time to time parties hereto, the Managing Agents (as hereinafter defined) from time to time parties hereto, and CREDIT SUISSE AG, New York Branch (“Credit Suisse”), as administrative, payment and collateral agent for the Secured Parties (as hereinafter defined) (in such capacities, “Agent”).