{"filing":{"accession_number":"0001193125-26-352317","cik":"0001529864","ticker":"ENVA","company_name":"Enova International, Inc.","form":"8-K","filing_date":"2026-08-14","report_date":"2026-08-13","primary_document":"enva-20260813.htm","primary_document_url":"https://www.sec.gov/Archives/edgar/data/1529864/000119312526352317/enva-20260813.htm"},"events":[{"id":27931,"run_id":25508,"accession_number":"0001193125-26-352317","anchor_item_number":"1.01","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.85,"summary":"Enova amended its NC LOC 2024 credit facility, increasing the revolving commitment from $200 million to $300 million, extending the revolving period and maturity date by two years, and improving borrowing terms from SOFR + 5.50% to SOFR + 5.00%, materially enhancing the Company's liquidity and refinancing flexibility.","company_name":"Enova International, Inc.","ticker":"ENVA","filing_date":"2026-08-14","form":"8-K","submitted_at":null,"items":[{"id":29656,"accession_number":"0001193125-26-352317","item_number":"1.01","item_title":"Entry into a Material Definitive Agreement.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.85,"reasoning":"The disclosure describes a material amendment to an existing credit facility (NC LOC 2024 Facility) that increases the revolving commitment from $200 million to $300 million, extends the revolving period and maturity date by two years, and improves borrowing terms (SOFR + 5.50% to SOFR + 5.00%). While technically an amendment rather than a new issuance, this represents a material modification to the Company's direct financial obligations and capital structure, most closely aligned with debt_issuance. The $100 million increase in available liquidity and extended maturity are material to investors assessing the registrant's financial flexibility and refinancing risk.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-14T20:30:04.124102+00:00","company_name":"","ticker":null,"filing_date":""},{"id":29657,"accession_number":"0001193125-26-352317","item_number":"2.03","item_title":"Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.85,"reasoning":"Item 2.03 is the dedicated disclosure item for creation of direct financial obligations, typically debt issuances. The section incorporates Item 1.01 by reference, which commonly covers material acquisitions, dispositions, or related financing arrangements. The filing date and Item structure indicate a debt or financing event material to the registrant.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-14T20:30:04.124102+00:00","company_name":"","ticker":null,"filing_date":""}]},{"id":27932,"run_id":25508,"accession_number":"0001193125-26-352317","anchor_item_number":"8.01","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.92,"summary":"Enova's subsidiary, NetCredit Combined Receivables B, LLC, priced a $300.9 million securitized debt offering comprised of Class A, B, and C notes with interest rates ranging from 5.88% to 10.64%, backed by a pool of unsecured consumer installment loans, representing a material capital-raising event.","company_name":"Enova International, Inc.","ticker":"ENVA","filing_date":"2026-08-14","form":"8-K","submitted_at":null,"items":[{"id":29658,"accession_number":"0001193125-26-352317","item_number":"8.01","item_title":"Other Events.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.92,"reasoning":"Enova disclosed the pricing of a $300.9 million securitized debt offering by a subsidiary (NetCredit Combined Receivables B, LLC) comprised of Class A, B, and C notes with varying interest rates (5.88%–10.64%), backed by a pool of unsecured consumer installment loans. This represents creation of a new direct financial obligation and is a material capital-raising event typical of securitization programs. The disclosure of the offering price, note classes, interest rates, and anticipated closing date aligns with debt_issuance classification.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-14T20:30:04.124102+00:00","company_name":"","ticker":null,"filing_date":""}]}],"classifications":[{"id":29656,"accession_number":"0001193125-26-352317","item_number":"1.01","item_title":"Entry into a Material Definitive Agreement.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.85,"reasoning":"The disclosure describes a material amendment to an existing credit facility (NC LOC 2024 Facility) that increases the revolving commitment from $200 million to $300 million, extends the revolving period and maturity date by two years, and improves borrowing terms (SOFR + 5.50% to SOFR + 5.00%). While technically an amendment rather than a new issuance, this represents a material modification to the Company's direct financial obligations and capital structure, most closely aligned with debt_issuance. The $100 million increase in available liquidity and extended maturity are material to investors assessing the registrant's financial flexibility and refinancing risk.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-14T20:30:04.124102+00:00","company_name":"Enova International, Inc.","ticker":"ENVA","filing_date":"2026-08-14"},{"id":29657,"accession_number":"0001193125-26-352317","item_number":"2.03","item_title":"Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.85,"reasoning":"Item 2.03 is the dedicated disclosure item for creation of direct financial obligations, typically debt issuances. The section incorporates Item 1.01 by reference, which commonly covers material acquisitions, dispositions, or related financing arrangements. The filing date and Item structure indicate a debt or financing event material to the registrant.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-14T20:30:04.124102+00:00","company_name":"Enova International, Inc.","ticker":"ENVA","filing_date":"2026-08-14"},{"id":29658,"accession_number":"0001193125-26-352317","item_number":"8.01","item_title":"Other Events.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.92,"reasoning":"Enova disclosed the pricing of a $300.9 million securitized debt offering by a subsidiary (NetCredit Combined Receivables B, LLC) comprised of Class A, B, and C notes with varying interest rates (5.88%–10.64%), backed by a pool of unsecured consumer installment loans. This represents creation of a new direct financial obligation and is a material capital-raising event typical of securitization programs. The disclosure of the offering price, note classes, interest rates, and anticipated closing date aligns with debt_issuance classification.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-08-14T20:30:04.124102+00:00","company_name":"Enova International, Inc.","ticker":"ENVA","filing_date":"2026-08-14"}]}