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June 13, 2023
Steven Cunningham
Chief Financial Officer
Enova International, Inc.
175 West Jackson Blvd.
Chicago, IL 60604
Re:Enova International, Inc.
Form 10-K for Fiscal Year Ended December 31, 2022
Response Dated May 26, 2023
File No. 001-35503
Dear Steven Cunningham:
            We have reviewed your May 26, 2023 response to our comment letter and have the
following comments.  In some of our comments, we may ask you to provide us with information
so we may better understand your disclosure.
            Please respond to these comments within ten business days by providing the requested
information or advise us as soon as possible when you will respond.  If you do not believe our
comments apply to your facts and circumstances, please tell us why in your response.
            After reviewing your response to these comments, we may have additional
comments.  Unless we note otherwise, our references to prior comments are to comments in our
April 28, 2023 letter.
Form 10-K filed February 24, 2023
Bank Programs, page 2
1.Please refer to comment 1.  Please confirm that you will revise future filings to quantify
the amounts of purchases and revenue, if materially different, through your bank partner
program for each period presented and discuss any trends.
Products and Services, page 2
2.Please tell us and revise to disclose how you legally recognize loan interest income and
how your loans are amortized.  For example, disclose if you legally recognize interest
income on an accelerated basis.  If so, describe how the timing of loan renewals or
refinances during the contractual term impact the amount of revenue recognized.

 FirstName LastNameSteven Cunningham
 Comapany NameEnova International, Inc.
 June 13, 2023 Page 2
 FirstName LastName
Steven Cunningham
Enova International, Inc.
June 13, 2023
Page 2
3.Please refer to comment 3.  Noting the significant range of contractual terms on
installment loans, please tell us and revise to disclose the estimated average contractual
term.
Marketing, page 8
4.Please refer to comment 4.  To the extent that a reliance on or changes in a particular
marketing channel have a material impact on the quality of, and potential variability of
your earnings and cash flow, please disclose information necessary for investors to
ascertain the likelihood that past performance is indicative of future performance.
Consumer Loans and Finance Receivables, page 51
5.Please refer to comment 8.  Noting the impact of the line of credit product on your
financial metrics and trends, please tell us and revise future filings to separately present
the net revenue margin percentage for each material product in your consumer and small
business portfolios tables on pages 51-54.
6.Please refer to comment 10.  Please tell us and revise future filings to quantify, for each
period presented, the dollar amount and percentage of originations by customers
borrowing for the first time and returning customers.  It appears this information is
important for investors to better understand your business and your underlying financial
metrics and trends.  Please discuss how you define each group as needed.
Note 3. Loans and Finance Receivables, page 80
7.Please refer to comment 13.  Please provide us your proposed disclosure using amounts as
of December 31, 2022.
            You may contact William Schroeder at 202-551-3294 or Michael Volley at 202-551-
3437 with any questions.
Sincerely,
Division of Corporation Finance
Office of Finance