UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C.  20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

DATE OF REPORT (Date of Earliest Event Reported):

December 29, 2015

ENOVA INTERNATIONAL, INC.

(Exact name of registrant as specified in its charter)

175 West Jackson Boulevard

Chicago, Illinois 60604

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code:  (312) 568-4200

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

ITEM 1.01ENTRY INTO A MATERIAL DEFINITIVE AGREEMENT 

On December 29, 2015, Enova International, Inc. (“Enova”) and certain of its domestic subsidiaries, as guarantors, entered into an amendment to its revolving credit facility (the “Amendment”) with Jefferies Finance LLC, as administrative agent. The Amendment increased Enova’s revolving credit commitment amount by $15.0 million (the “Amendment No. 3 Revolving Commitment”) from $60.0 million to $75.0 million (the “Revolving Commitment Amount”).  As of January 4, 2016, the Amendment No. 3 Revolving Commitment was fully drawn.

On the date that is two (2) business days after Enova or any of its subsidiaries receives net cash proceeds from a Permitted Receivables Financing (as defined in the Amendment) (the “Amendment No. 3 Repayment Date”) (i) in an amount greater than or equal to the aggregate outstanding principal balance of all revolving loans under the credit facility, then Enova shall repay all such revolving loans under the credit facility or (ii) in an amount less than the aggregate outstanding principal balance of all revolving loans under the credit facility, then Enova shall repay the greater of (a) the actual net cash proceeds received from such Permitted Receivables Financing and (b) an amount of revolving loans necessary to reduce the aggregate outstanding balance of all revolving loans under the credit facility to, and the Revolving Commitment Amount will be permanently reduced to, $40.0 million.  In any event, without duplication, if the Amendment No. 3 Repayment Date has not occurred by (A) January 22, 2016,  Enova will be required to repay the revolving loans drawn under the Amendment No. 3 Revolving Commitment and the Amendment No. 3 Revolving Commitment will automatically and permanently terminate and (B) on February 29, 2016, Enova will be required to repay revolving loans necessary to reduce the aggregate outstanding balance of all revolving loans under the credit facility to, and the Revolving Commitment Amount will automatically and permanently be reduced to, $40.0 million.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.