Entry into a Material Definitive Agreement. On August 21, 2026, NetCredit Combined Receivables B, LLC (the “Issuer”), a wholly-owned indirect subsidiary of Enova International, Inc. (the “Company”), issued $300,886,000 in aggregate principal notes (the “2026-A Notes”), comprised of $240,709,000 of Class A Notes ("Class A Notes"), $44,341,000 of Class B Notes ("Class B Notes"), and $15,836,000 of Class C Notes ("Class C Notes") in a securitization transaction (the “ENVA 2026-A Transaction”). A…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information provided in

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information provided in

Entry into a Material Definitive Agreement. NC LOC 2024 Facility – Third Amendment On August 14, 2026, NetCredit LOC Receivables 2024, LLC (“ NC LOC 2024 ”), a wholly-owned indirect subsidiary of Enova International, Inc. (the " Company "), amended that certain Note Issuance and Purchase Agreement, dated February 21, 2024 (the “ NC LOC 2024 Facility ”), by entering into that certain Third Amendment to Note Issuance and Purchase Agreement (the “ Third Amendment ”) with Midtown Madison Manageme…

Results of Operations and Financial Condition. On July 23, 2026, Enova International, Inc. (the “Company”) issued a press release to announce its consolidated financial results for the three months ended June 30, 2026. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. The information included or incorporated by reference in this Current Report on Form 8-K under this

member of the Management Development and Compensation Committee — Maria Veltre: Ms. Veltre was appointed to serve on the Management Development and Compensation Committee.

Director — William M. Goodyear, Mark McGowan: Directors William M. Goodyear and Mark McGowan resigned from their positions, and Maria Veltre was appointed as a new director.

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information provided in

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, B…

Results of Operations and Financial Condition. On April 23, 2026, Enova International, Inc. (the “Company”) issued a press release to announce its consolidated financial results for the three months ended March 31, 2026. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. The information included or incorporated by reference in this Current Report on Form 8-K under this

Entry into a Material Definitive Agreement. RAOD Facility – Twelfth Amendment On March 30, 2026, Receivable Assets of OnDeck, LLC, a wholly-owned indirect subsidiary of Enova International, Inc. (the “ Company ”), amended that certain Fourth Amended and Restated Credit Agreement, dated December 17, 2018 (the “ RAOD Facility ”) by entering into that certain Amendment No. 12 to Fourth Amended and Restated Credit Agreement (the “ Twelfth Amendment ”) with Truist Bank, as administrative agent, an…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information provided in

Results of Operations and Financial Condition. On January 27, 2026, Enova International, Inc. (the “Company”) issued a press release to announce its consolidated financial results for the three months ended December 31, 2025. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. The information included or incorporated by reference in this Current Report on Form 8-K under this

CEO — David Fisher: The CEO is transitioning to Executive Chairman with a named internal successor (CFO), representing an orderly succession rather than a loss of leadership.

Entry Into a Material Definitive Agreement. Amendment to Agreement and Plan of Merger As previously disclosed, on December 10, 2025, Enova International, Inc. (“Enova”), a Delaware corporation, and Grasshopper Bancorp, Inc. (“Grasshopper”), a Delaware corporation and the parent holding company of Grasshopper Bank N.A. (“Grasshopper Bank”), a national bank and wholly-owned subsidiary of Grasshopper, entered into an Agreement and Plan of Merger (the “Merger Agreement”). Under the terms and subj…

hereof and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and such information shall not be deemed incorporated by reference into any filing under the Securities Act or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. Important Additional Information In connection with the proposed transaction, Enova will file w…

Entry Into a Material Definitive Agreement. Agreement and Plan of Merger On December 10, 2025, Enova International, Inc. (“Enova”), a Delaware corporation, and Grasshopper Bancorp, Inc. (“Grasshopper”), a Delaware corporation and the parent holding company of Grasshopper Bank N.A. (“Grasshopper Bank”), a national bank and wholly-owned subsidiary of Grasshopper, entered into an Agreement and Plan of Merger (the “Merger Agreement”). Under the terms and subject to the conditions of the Merger Ag…

Creation of a Direct Financial Obligation or an Obligation Under an Off-Balance Sheet Arrangement of a Registrant. The information provided in

Entry Into a Material Definitive Agreement. ODR 2021-1 Securitization Facility On November 24, 2025, OnDeck Receivables 2021, LLC (“ ODR 2021 ”), a wholly-owned indirect subsidiary of the Company, amended its existing revolving receivables facility (the “ ODR 2021-1 Securitization Facility ”) by entering into that certain Amendment No. 10 to Credit Agreement (the “ Tenth Amendment ”) with the lenders party thereto from time to time, JPMorgan Chase Bank, N.A., as administrative agent and colla…

Entry Into a Material Definitive Agreement. Asset-Backed Securitization Facility On November 13, 2025, OnDeck Asset Securitization IV, LLC (“ ODAS IV ”), a wholly-owned indirect subsidiary of Enova International, Inc. (the “ Company ”), issued $261,434,000 initial principal amount of Fixed-Rate Asset Backed Notes (the “ Series 2025-2 Notes ”) in a securitization transaction (the “ Series 2025-2 Transaction ” and such series, the “ 2025-2 Series ” ). The Series 2025-2 Notes are the fifth serie…

Creation of a Direct Financial Obligation or an Obligation Under an Off-Balance Sheet Arrangement of a Registrant. The information provided in

Other Events. On November 12, 2025, the Company announced that its Board of Directors (the “Board”) had authorized a share repurchase program for up to $400 million of the Company’s outstanding common stock. This new program will be in place until June 30, 2027, and replaces the current $300 million repurchase program. A copy of the press release is attached hereto as Exhibit 99.1.

Regulation FD Disclosure On October 30, 2025, Enova International, Inc. (the “ Company ”) announced that a wholly-owned indirect subsidiary, OnDeck Asset Securitization IV, LLC (the “ Issuer ”), intends to offer, subject to market and other customary conditions, $261,434,000 in initial principal amount of Series 2025-2 Fixed Rate Asset-Backed Notes (the “ Offered Notes ”) in a private securitization transaction (the “ Series 2025-2 Transaction ”). It is expected that Kroll Bond Rating Agency,…

By design, the Supplemental Data is different from, and not directly comparable to, the Company’s or OnDeck’s previously published loan performance information. The Supplemental Data includes information for a specific subset of OnDeck’s daily, weekly and monthly pay U.S. term loans, including both on-balance sheet loans and loans sold to investors, that: (i) have an original term of 24 months or less and (ii) a specified minimum loan yield (excluding origination fees) greater than or equal t…

Results of Operations and Financial Condition. On October 23, 2025, Enova International, Inc. (the “Company”) issued a press release to announce its consolidated financial results for the three months ended September 30, 2025. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. The information included or incorporated by reference in this Current Report on Form 8-K under this