Enova International, Inc. (NYSE: ENVA) is a Chicago-based online financial services company specializing in providing access to credit and financing solutions through advanced data analytics and proprietary decisioning platforms. Founded in 2004, Enova leverages its in-house technology—known as the Avantage platform—to underwrite and service a diverse portfolio of loan products. These offerings include short-term installment loans, lines of credit, and point-of-sale financing, all delivered through direct-to-consumer brands as well as partnerships with banks and retail organizations.
Enova’s principal consumer brands—such as CashNetUSA—operate primarily in the United States, the United Kingdom, and Australia, serving millions of customers who might otherwise lack access to traditional lending sources. The company employs a risk-based pricing model that uses hundreds of data points to assess creditworthiness, enabling fast funding decisions and flexible repayment options. In addition to its consumer installment and small-dollar loan products, Enova offers financing solutions tailored to small and midsize businesses through strategic alliances and white-label programs.
Under the leadership of President and Chief Executive Officer Eric Weaver, Enova has grown its global footprint and diversified its product suite to address evolving consumer and partner needs. The company’s executive team combines expertise in financial services, technology development, and regulatory compliance to maintain strong governance and operational resilience. Enova is headquartered in Chicago with additional offices and customer support centers in Salt Lake City, London, and Sydney, reflecting its commitment to providing localized service and support in key markets.
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