---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-112478"
form_type: "8-K"
ticker: "ENVA"
cik: "0001529864"
company_name: "Enova International, Inc."
filed_at: "2025-09-02T23:59:59+00:00"
generated_at: "2026-05-17T08:51:13.405311+00:00"
event_type: "debt"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Enova increases credit facility to $825M, extends maturity, reduces rate

## Summary
- Total commitment raised from $665M to $825M.
- Maturity extended from June 30, 2026 to August 28, 2029.
- Interest rate reduced: base rate +0.50% (from 0.75%) and SOFR +3.25% (from 3.50%).
- Same financial maintenance covenants retained: minimum fixed charge coverage and max leverage ratios.

## SEC filing metadata
- accession: 0000950170-25-112478
- form_type: 8-K
- ticker: ENVA
- cik: 0001529864
- company_name: Enova International, Inc.
- filed_at: 2025-09-02T23:59:59+00:00
- event_type: debt
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 1.01, 2.03
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1529864/000095017025112478/0000950170-25-112478-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1529864/000095017025112478/enva-20250828.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-112478
- JSON: https://secwatch.observer/filing/0000950170-25-112478.json
- Plain text: https://secwatch.observer/filing/0000950170-25-112478.txt

## Key facts
- Debt Financings
  Enova International, Inc. amended revolving credit of $825,000,000 with Bank of Montreal at base rate plus 0.50% and from the SOFR rate plus 3.50% to the SOFR rate plus 3.2 maturing August 28, 2029.
  - Instrument: revolving credit
  - Principal: $825,000,000
  - Counterparty: Bank of Montreal
  - Rate: base rate plus 0.50% and from the SOFR rate plus 3.50% to the SOFR rate plus 3.2
  - Maturity: August 28, 2029
  - Event: amendment
  source text: the Third Amendment increases the total commitment amount from $665,000,000 to $825,000,000, extends the maturity date from June 30, 2026 to August 28, 2029 and reduces the interest rate, as applicable, from the base rate plus 0.75% to the base rate plus 0.50% and from the SOFR rate plus 3.50% to the SOFR rate plus 3.25%
  evidence_url: https://www.sec.gov/Archives/edgar/data/1529864/000095017025112478/0000950170-25-112478-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.