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Enova International, Inc. – ‘10-K’ for 12/31/22 – ‘EX-101.SCH’

On:  Friday, 2/24/23, at 4:20pm ET   ·   For:  12/31/22   ·   Accession #:  950170-23-4381   ·   File #:  1-35503

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  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 2/24/23  Enova International, Inc.         10-K       12/31/22  118:27M                                    Donnelley … Solutions/FA

Annual Report   —   Form 10-K

Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                       HTML   7.98M 
 2: EX-10       Ex-10.46                                            HTML   1.49M 
 3: EX-10       Ex-10.47                                            HTML     57K 
 4: EX-10       Ex-10.48                                            HTML     54K 
 5: EX-21       Ex-21.1                                             HTML    265K 
 6: EX-23       Ex-23.1                                             HTML     32K 
 7: EX-23       Ex-23.2                                             HTML     31K 
 8: EX-31       Ex-31.1                                             HTML     37K 
 9: EX-31       Ex-31.2                                             HTML     37K 
10: EX-32       Ex-32.1                                             HTML     34K 
11: EX-32       Ex-32.2                                             HTML     34K 
17: R1          Document and Entity Information                     HTML    105K 
18: R2          Consolidated Balance Sheets                         HTML    120K 
19: R3          Consolidated Balance Sheets (Parenthetical)         HTML     52K 
20: R4          Consolidated Balance Sheets (Consolidated VIEs)     HTML     76K 
21: R5          Consolidated Statements of Income                   HTML    165K 
22: R6          Consolidated Statements of Comprehensive Income     HTML     85K 
23: R7          Consolidated Statements of Comprehensive Income     HTML     35K 
                (Parenthetical)                                                  
24: R8          Consolidated Statements of Stockholders' Equity     HTML    113K 
25: R9          Consolidated Statements of Cash Flows               HTML    152K 
26: R10         Significant Accounting Policies                     HTML    246K 
27: R11         Acquisitions                                        HTML    139K 
28: R12         Loans and Finance Receivables                       HTML    307K 
29: R13         Property and Equipment                              HTML    101K 
30: R14         Goodwill and Other Intangible Assets                HTML    152K 
31: R15         Accounts Payable and Accrued Expenses               HTML     71K 
32: R16         Marketing Expenses                                  HTML     59K 
33: R17         Leases                                              HTML    145K 
34: R18         Long-term Debt                                      HTML    340K 
35: R19         Income Taxes                                        HTML    350K 
36: R20         Commitments and Contingencies                       HTML     44K 
37: R21         Employee Benefit Plans                              HTML     61K 
38: R22         Stock-Based Compensation                            HTML    219K 
39: R23         Related Party Transactions                          HTML     41K 
40: R24         Variable Interest Entities                          HTML     37K 
41: R25         Supplemental Disclosures of Cash Flow Information   HTML     83K 
42: R26         Operating Segment Information                       HTML     72K 
43: R27         Fair Value Measurements                             HTML    337K 
44: R28         Subsequent Events                                   HTML     38K 
45: R29         Significant Accounting Policies (Policies)          HTML    286K 
46: R30         Significant Accounting Policies (Tables)            HTML    164K 
47: R31         Acquisitions (Tables)                               HTML    112K 
48: R32         Loans and Finance Receivables (Tables)              HTML    303K 
49: R33         Property and Equipment (Tables)                     HTML     95K 
50: R34         Goodwill and Other Intangible Assets (Tables)       HTML    152K 
51: R35         Accounts Payable and Accrued Expenses (Tables)      HTML     70K 
52: R36         Marketing Expenses (Tables)                         HTML     58K 
53: R37         Leases (Tables)                                     HTML    142K 
54: R38         Long-term Debt (Tables)                             HTML    228K 
55: R39         Income Taxes (Tables)                               HTML    333K 
56: R40         Employee Benefit Plans (Tables)                     HTML     48K 
57: R41         Stock-Based Compensation (Tables)                   HTML    194K 
58: R42         Supplemental Disclosures of Cash Flow information   HTML     82K 
                (Tables)                                                         
59: R43         Operating Segment Information (Tables)              HTML     62K 
60: R44         Fair Value Measurements (Tables)                    HTML    324K 
61: R45         Significant Accounting Policies - Additional        HTML    128K 
                Information (Detail)                                             
62: R46         Significant Accounting Policies - Schedule of       HTML     42K 
                Reconciliation of Cash, Cash Equivalents and                     
                Restricted Cash (Detail)                                         
63: R47         Significant Accounting Policies - Schedule of       HTML     46K 
                Property and Equipment Estimated Useful Lives                    
                (Detail)                                                         
64: R48         Significant Accounting Policies - Schedule of       HTML     39K 
                Property and Equipment Estimated Useful Lives                    
                (Detail) (Parenthetical)                                         
65: R49         Significant Accounting Policies - Reconciliation    HTML    100K 
                of Numerators and Denominators of Basic and                      
                Diluted Earnings per Share - (Detail)                            
66: R50         Acquisitions - Additional Information (Detail)      HTML    112K 
67: R51         Acquisitions - Schedule of Allocation of the        HTML     86K 
                Purchase Consideration (Detail)                                  
68: R52         Acquisitions - Schedule of Allocation of the        HTML     48K 
                Purchase Consideration (Parenthetical) (Detail)                  
69: R53         Acquisitions - Schedule of Supplemental Unaudited   HTML     36K 
                Pro Forma Financial Information (Detail)                         
70: R54         Loans and Finance Receivables - Schedule of         HTML     55K 
                Revenue Generated from Loans and Finance                         
                Receivables (Detail)                                             
71: R55         Loans and Finance Receivables - Components of       HTML     58K 
                Company-owned Loans and Finance Receivables At                   
                Fair Value (Detail)                                              
72: R56         Loans and Finance Receivables - Additional          HTML     47K 
                Information (Detail)                                             
73: R57         Loans and Finance Receivables - Schedule of         HTML     59K 
                Changes in Fair Value of Company-owned Loans and                 
                Finance Receivables (Detail)                                     
74: R58         Property and Equipment - Additional information     HTML     36K 
                (Detail)                                                         
75: R59         Property and Equipment - Classifications of         HTML     49K 
                Property and Equipment (Detail)                                  
76: R60         Goodwill and Other Intangible Assets - Summary of   HTML     38K 
                Changes in Carrying Value of Goodwill (Detail)                   
77: R61         Goodwill and Other Intangible Assets - Additional   HTML     60K 
                Information (Detail)                                             
78: R62         Goodwill and Other Intangible Assets - Summary of   HTML     56K 
                Acquired Intangible Assets (Detail)                              
79: R63         Goodwill and Other Intangible Assets - Summary of   HTML     43K 
                Estimated Future Amortization Expense (Detail)                   
80: R64         Accounts Payable and Accrued Expenses - Schedule    HTML     50K 
                of Accounts Payable and Accrued Expenses (Detail)                
81: R65         Marketing Expenses - Schedule of Marketing          HTML     38K 
                Expenses (Detail)                                                
82: R66         Leases - Additional Information (Detail)            HTML     52K 
83: R67         Leases - Lease Expenses (Detail)                    HTML     45K 
84: R68         Leases - Future Minimum Lease Payments (Detail)     HTML     51K 
85: R69         Leases - Weighted Average Remaining Lease Term and  HTML     38K 
                Discount Rate (Detail)                                           
86: R70         Leases - Supplemental Cash Flow Disclosures         HTML     38K 
                Related to Leases (Detail)                                       
87: R71         Long-term Debt - Summary of Long-Term Debt          HTML    152K 
                Instruments and Balances Outstanding (Detail)                    
88: R72         Long-term Debt - Summary of Long-Term Debt          HTML     49K 
                Instruments and Balances Outstanding                             
                (Parenthetical) (Detail)                                         
89: R73         Long-term Debt - Additional Information (Detail)    HTML    369K 
90: R74         Long-term Debt - Schedule of Maturities of          HTML     49K 
                Long-term Debt (Detail)                                          
91: R75         Long-term Debt - Schedule of Maturities of          HTML     47K 
                Long-term Debt (Parenthetical) (Detail)                          
92: R76         Income Taxes - Components of Deferred Tax Assets    HTML     70K 
                and Liabilities (Detail)                                         
93: R77         Income Taxes - Components of Provision for Income   HTML     66K 
                Taxes (Detail)                                                   
94: R78         Income Taxes - Additional Information (Detail)      HTML     73K 
95: R79         Income Taxes - Components of Effective Tax Rate on  HTML     48K 
                Income (Detail)                                                  
96: R80         Income Taxes - Summary of Valuation Allowance       HTML     38K 
                Activity (Detail)                                                
97: R81         Income Taxes - Reconciliation of Activity Related   HTML     48K 
                to Unrecognized Tax Benefits (Detail)                            
98: R82         Commitments and Contingencies - Additional          HTML     37K 
                information (Detail)                                             
99: R83         Employee Benefit Plans - Additional Information     HTML     57K 
                (Detail)                                                         
100: R84         Employee Benefit Plans - Schedule of Amounts        HTML     40K  
                Included in Consolidated Balance Sheets Relating                 
                to NQSP and SERP (Detail)                                        
101: R85         Stock-Based Compensation - Additional Information   HTML     91K  
                (Detail)                                                         
102: R86         Stock-Based Compensation - Summary of RSU Activity  HTML     56K  
                (Detail)                                                         
103: R87         Stock-Based Compensation - Summary of Stock Option  HTML     61K  
                Activity (Detail)                                                
104: R88         Related Party Transactions - Additional             HTML     46K  
                Information (Detail)                                             
105: R89         Supplemental Disclosures of Cash Flow Information   HTML     48K  
                - Schedule of Cash and Non-Cash Activities                       
                (Detail)                                                         
106: R90         Operating Segment Information - Additional          HTML     39K  
                Information (Detail)                                             
107: R91         Operating Segment Information - Summary of          HTML     45K  
                Company's Revenue by Geographical Region (Detail)                
108: R92         Fair Value Measurements - Additional Information    HTML     47K  
                (Detail)                                                         
109: R93         Fair Value Measurements - Fair Value Assets         HTML     56K  
                Measured on Recurring Basis (Detail)                             
110: R94         Fair Value Measurements - Financial Assets          HTML     37K  
                Measured on Recurring Basis (Parenthetical)                      
                (Detail)                                                         
111: R95         Fair Value Measurements - Financial Assets and      HTML     72K  
                Liabilities Not Measured at Fair Value (Detail)                  
112: R96         Fair Value Measurements - Financial Assets and      HTML     45K  
                Liabilities Not Measured at Fair Value                           
                (Parenthetical) (Detail)                                         
113: R97         Subsequent Events - Additional Information          HTML     43K  
                (Detail)                                                         
116: XML         IDEA XML File -- Filing Summary                      XML    217K  
114: XML         XBRL Instance -- enva-20221231_htm                   XML   5.92M  
115: EXCEL       IDEA Workbook of Financial Reports                  XLSX    257K  
12: EX-101.CAL  XBRL Calculations -- enva-20221231_cal               XML    324K 
16: EX-101.DEF  XBRL Definitions -- enva-20221231_def                XML    991K 
15: EX-101.LAB  XBRL Labels -- enva-20221231_lab                     XML   2.00M 
14: EX-101.PRE  XBRL Presentations -- enva-20221231_pre              XML   1.55M 
13: EX-101.SCH  XBRL Schema -- enva-20221231                         XSD    280K 
117: JSON        XBRL Instance as JSON Data -- MetaLinks              652±  1.07M  
118: ZIP         XBRL Zipped Folder -- 0000950170-23-004381-xbrl      Zip   1.39M

‘EX-101.SCH’   —   XBRL Schema — enva-20221231

This Exhibit is an XBRL XML File.

                                                                                                                                                                                
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<link:definition> 100040 - Statement - CONSOLIDATED BALANCE SHEETS (Consolidated VIEs) </link:definition>
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<link:definition> 100260 - Disclosure - Supplemental Disclosures of Cash Flow Information </link:definition>
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<link:definition> 100300 - Disclosure - Significant Accounting Policies (Policies) </link:definition>
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<link:definition> 100310 - Disclosure - Significant Accounting Policies (Tables) </link:definition>
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<link:definition> 100360 - Disclosure - Accounts Payable and Accrued Expenses (Tables) </link:definition>
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<link:definition> 100440 - Disclosure - Operating Segment Information (Tables) </link:definition>
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<link:definition> 100460 - Disclosure - Significant Accounting Policies - Additional Information (Detail) </link:definition>
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<link:definition> 100470 - Disclosure - Significant Accounting Policies - Schedule of Reconciliation of Cash, Cash Equivalents and Restricted Cash (Detail) </link:definition>
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<link:definition> 100480 - Disclosure - Significant Accounting Policies - Schedule of Property and Equipment Estimated Useful Lives (Detail) </link:definition>
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<link:definition> 100490 - Disclosure - Significant Accounting Policies - Schedule of Property and Equipment Estimated Useful Lives (Detail) (Parenthetical) </link:definition>
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<link:definition> 100500 - Disclosure - Significant Accounting Policies - Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Share - (Detail) </link:definition>
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<link:definition> 100510 - Disclosure - Acquisitions - Additional Information (Detail) </link:definition>
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<link:definition> 100520 - Disclosure - Acquisitions - Schedule of Allocation of the Purchase Consideration (Detail) </link:definition>
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<link:definition> 100530 - Disclosure - Acquisitions - Schedule of Allocation of the Purchase Consideration (Parenthetical) (Detail) </link:definition>
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<link:definition> 100540 - Disclosure - Acquisitions - Schedule of Supplemental Unaudited Pro Forma Financial Information (Detail) </link:definition>
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<link:definition> 100550 - Disclosure - Loans and Finance Receivables - Schedule of Revenue Generated from Loans and Finance Receivables (Detail) </link:definition>
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<link:definition> 100560 - Disclosure - Loans and Finance Receivables - Components of Company-owned Loans and Finance Receivables At Fair Value (Detail) </link:definition>
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<link:definition> 100570 - Disclosure - Loans and Finance Receivables - Additional Information (Detail) </link:definition>
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<link:definition> 100580 - Disclosure - Loans and Finance Receivables - Schedule of Changes in Fair Value of Company-owned Loans and Finance Receivables (Detail) </link:definition>
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<link:definition> 100590 - Disclosure - Property and Equipment - Additional information (Detail) </link:definition>
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<link:definition> 100600 - Disclosure - Property and Equipment - Classifications of Property and Equipment (Detail) </link:definition>
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<link:definition> 100610 - Disclosure - Goodwill and Other Intangible Assets - Summary of Changes in Carrying Value of Goodwill (Detail) </link:definition>
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<link:definition> 100620 - Disclosure - Goodwill and Other Intangible Assets - Additional Information (Detail) </link:definition>
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<link:definition> 100630 - Disclosure - Goodwill and Other Intangible Assets - Summary of Acquired Intangible Assets (Detail) </link:definition>
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<link:definition> 100640 - Disclosure - Goodwill and Other Intangible Assets - Summary of Estimated Future Amortization Expense (Detail) </link:definition>
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<link:definition> 100650 - Disclosure - Accounts Payable and Accrued Expenses - Schedule of Accounts Payable and Accrued Expenses (Detail) </link:definition>
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<link:definition> 100660 - Disclosure - Marketing Expenses - Schedule of Marketing Expenses (Detail) </link:definition>
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<link:definition> 100670 - Disclosure - Leases - Additional Information (Detail) </link:definition>
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<link:definition> 100680 - Disclosure - Leases - Lease Expenses (Detail) </link:definition>
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<link:definition> 100690 - Disclosure - Leases - Future Minimum Lease Payments (Detail) </link:definition>
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<link:definition> 100700 - Disclosure - Leases - Weighted Average Remaining Lease Term and Discount Rate (Detail) </link:definition>
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<link:definition> 100710 - Disclosure - Leases - Supplemental Cash Flow Disclosures Related to Leases (Detail) </link:definition>
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<link:definition> 100720 - Disclosure - Long-term Debt - Summary of Long-Term Debt Instruments and Balances Outstanding (Detail) </link:definition>
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<xsd:element id="enva_DirectOperationsAndTechnologyExpense" name="DirectOperationsAndTechnologyExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_DiscontinuedOperationsImpairmentChargesBeforeTax" name="DiscontinuedOperationsImpairmentChargesBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_DiscontinuedOperationsImpairmentChargesNetOfTax" name="DiscontinuedOperationsImpairmentChargesNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_DiscontinuedOperationsRecordedOneTimeExitCashCharges" name="DiscontinuedOperationsRecordedOneTimeExitCashCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_DiscontinuedOperationsRecordedOneTimeExitChargeNetOfTax" name="DiscontinuedOperationsRecordedOneTimeExitChargeNetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_EstimatedTaxRate" name="EstimatedTaxRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_FairValueAssetsTransfersAmount" name="FairValueAssetsTransfersAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_FairValueLiabilitiesTransfersAmount" name="FairValueLiabilitiesTransfersAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_FairValueOfAcquireeEquityAwardsAssumedByTheCompany" name="FairValueOfAcquireeEquityAwardsAssumedByTheCompany" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_FinancingReceivableChangeInFairValue" name="FinancingReceivableChangeInFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_FinancingReceivablePeriodPastDueConsideredAsNonPerforming" name="FinancingReceivablePeriodPastDueConsideredAsNonPerforming" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_IncomeTaxReconciliationBargainPurchaseGain" name="IncomeTaxReconciliationBargainPurchaseGain" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_IncomeTaxReconciliationDeductionExecutiveCompensationLimitation" name="IncomeTaxReconciliationDeductionExecutiveCompensationLimitation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_IncomeTaxReconciliationReleaseOfUncertainTaxPosition" name="IncomeTaxReconciliationReleaseOfUncertainTaxPosition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_IncomeTaxReconciliationStateRateAdjustment" name="IncomeTaxReconciliationStateRateAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_IncomeTaxStatuteOfLimitationPeriod" name="IncomeTaxStatuteOfLimitationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_IncompleteTransactionCosts" name="IncompleteTransactionCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_IncreaseDecreaseFinanceServiceChargeFinancingReceivablesRevenue" name="IncreaseDecreaseFinanceServiceChargeFinancingReceivablesRevenue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_IncreaseDecreaseInOtherReceivablesPrepaidExpensesAndOtherAssets" name="IncreaseDecreaseInOtherReceivablesPrepaidExpensesAndOtherAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_InitialMaximumPrincipalBalanceOfNotesIssued" name="InitialMaximumPrincipalBalanceOfNotesIssued" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_LeaseAgreementOneTimeTerminationFee" name="LeaseAgreementOneTimeTerminationFee" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_Leaseliability" name="Leaseliability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_LeaseTerminationAndCeaseUseCosts" name="LeaseTerminationAndCeaseUseCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_LesseeOperatingLeaseTerminationPeriod" name="LesseeOperatingLeaseTerminationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_LiabilityForConsumerLoansFundedByThirdPartyLender" name="LiabilityForConsumerLoansFundedByThirdPartyLender" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_LineOfCreditFacilityAdvanceRate" name="LineOfCreditFacilityAdvanceRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
<xsd:element id="enva_LoansAndFinanceReceivableDifferenceBetweenPrincipalAmountAndFairValue" name="LoansAndFinanceReceivableDifferenceBetweenPrincipalAmountAndFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_LoansAndFinancingReceivablesOriginatedOrAcquired" name="LoansAndFinancingReceivablesOriginatedOrAcquired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_LoansAndFinancingReceivablesRenewed" name="LoansAndFinancingReceivablesRenewed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_LoansAndFinancingReceivablesRepaid" name="LoansAndFinancingReceivablesRepaid" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_LoansAndLeaseReceivablePrincipalBalanceAccrual" name="LoansAndLeaseReceivablePrincipalBalanceAccrual" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_LoansAndLeaseReceivablesAtFairValueCurrent" name="LoansAndLeaseReceivablesAtFairValueCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_LoansAndLeaseReceivablesChargeOffsNet" name="LoansAndLeaseReceivablesChargeOffsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_LoansAndLeaseReceivablesForeignCurrencyTranslation" name="LoansAndLeaseReceivablesForeignCurrencyTranslation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_LoansAndLeaseReceivablesNetChangeInFairValue" name="LoansAndLeaseReceivablesNetChangeInFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_LoansAndLeaseReceivablesOriginationsOrAcquisitions" name="LoansAndLeaseReceivablesOriginationsOrAcquisitions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_LoansAndLeaseReceivablesRepayments" name="LoansAndLeaseReceivablesRepayments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_LoansAndLeasesReceivablePrincipalBalance" name="LoansAndLeasesReceivablePrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_LoansAndLeasesReceivablePrincipalBalanceNonAccrual" name="LoansAndLeasesReceivablePrincipalBalanceNonAccrual" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_LongTermDebtNetOfDiscountPremium" name="LongTermDebtNetOfDiscountPremium" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_NonActivityLoansAndFinanceReceivablesPeriod" name="NonActivityLoansAndFinanceReceivablesPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_NonPerformingLoansExpiryPeriod" name="NonPerformingLoansExpiryPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_NumberOfStatesFinancingOfferedToSmallBusiness" name="NumberOfStatesFinancingOfferedToSmallBusiness" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_NumberOfStatesLoansOfferedOrArrangedToConsumers" name="NumberOfStatesLoansOfferedOrArrangedToConsumers" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_OndeckAustraliaDeconsolidation" name="OndeckAustraliaDeconsolidation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_OperatingLeasesGainLossNet" name="OperatingLeasesGainLossNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_OperatingLossCarryforwardsExpirationYear" name="OperatingLossCarryforwardsExpirationYear" type="xbrli:gYearItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_OperatingLossCarryForwardsLimitationsOnUseAmount" name="OperatingLossCarryForwardsLimitationsOnUseAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_OtherComprehensiveIncomeLossOwnershipChangeInNoncontrollingInterestPortionAttributableToNoncontrollingInterest" name="OtherComprehensiveIncomeLossOwnershipChangeInNoncontrollingInterestPortionAttributableToNoncontrollingInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_OtherComprehensiveIncomeLossOwnershipChangeInNoncontrollingInterestPortionAttributableToParent" name="OtherComprehensiveIncomeLossOwnershipChangeInNoncontrollingInterestPortionAttributableToParent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_OtherComprehensiveIncomeLossReclassificationAdjustmentOfCertainDeferredTaxEffects" name="OtherComprehensiveIncomeLossReclassificationAdjustmentOfCertainDeferredTaxEffects" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_OtherReceivablesAndPrepaidExpenses" name="OtherReceivablesAndPrepaidExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_PercentageOfSecuritizationReceivablesExpectedToBeSoldToIssuer" name="PercentageOfSecuritizationReceivablesExpectedToBeSoldToIssuer" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_PrepaymentOfDebtPenalty" name="PrepaymentOfDebtPenalty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_RemainingPrincipalPaymentsChargeOffLoanPeriod" name="RemainingPrincipalPaymentsChargeOffLoanPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_RestrictedCashFairValueDisclosure" name="RestrictedCashFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_RevenueOther" name="RevenueOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_SecuredLongTermDebtMaturitiesRepaymentsOfPrincipal" name="SecuredLongTermDebtMaturitiesRepaymentsOfPrincipal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_SecuritizationReceivablesSoldToIssuer" name="SecuritizationReceivablesSoldToIssuer" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForFutureGrant" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForFutureGrant" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
<xsd:element id="enva_SmallBusinessLoansAndFinanceReceivablesFairValueDisclosure" name="SmallBusinessLoansAndFinanceReceivablesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_StockIssuedDuringPeriodValueDeconsolidation" name="StockIssuedDuringPeriodValueDeconsolidation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_TaxCutsAndJobsActOf2017ChangeInTaxRateDeferredTaxAssetAdjustment" name="TaxCutsAndJobsActOf2017ChangeInTaxRateDeferredTaxAssetAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_ThirdPartyLenderOwnedConsumerLoans" name="ThirdPartyLenderOwnedConsumerLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
<xsd:element id="enva_ThirdPartyLenderOwnedConsumerLoansAtFairValue" name="ThirdPartyLenderOwnedConsumerLoansAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_ThirdPartyLenderOwnedConsumerLoansPrincipalBalance" name="ThirdPartyLenderOwnedConsumerLoansPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_UnrecognizedTaxBenefitsTemporaryItems" name="UnrecognizedTaxBenefitsTemporaryItems" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_UnrecognizedTaxPositions" name="UnrecognizedTaxPositions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
<xsd:element id="enva_SignificantAccountingPoliciesLineItems" name="SignificantAccountingPoliciesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_AnnualSectionThreeEightyTwoLimitationMember" name="AnnualSectionThreeEightyTwoLimitationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_ClassAAssetBackedNotesMember" name="ClassAAssetBackedNotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_ClassABorrowingRateMember" name="ClassABorrowingRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_ClassACommitmentMember" name="ClassACommitmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_ClassARevolvingLoanMember" name="ClassARevolvingLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_ClassBAssetBackedNotesMember" name="ClassBAssetBackedNotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_ClassBBorrowingRateMember" name="ClassBBorrowingRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_ClassBCommitmentMember" name="ClassBCommitmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_ClassBRevolvingLoanMember" name="ClassBRevolvingLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_ClassCAssetBackedNotesMember" name="ClassCAssetBackedNotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_ComputerHardwareAndSoftwareMember" name="ComputerHardwareAndSoftwareMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_ConsumerLoansMember" name="ConsumerLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_EightPointFiveZeroPercentageSeniorUnsecuredNotesDueTwoThousandTwentyFiveMember" name="EightPointFiveZeroPercentageSeniorUnsecuredNotesDueTwoThousandTwentyFiveMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_EightPointFiveZeroPercentageSeniorUnsecuredNotesDueTwoThousandTwentyFiveRedemptionUnderAdditionalOptionAvailableMember" name="EightPointFiveZeroPercentageSeniorUnsecuredNotesDueTwoThousandTwentyFiveRedemptionUnderAdditionalOptionAvailableMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_EightPointFiveZeroPercentageSeniorUnsecuredNotesDueTwoThousandTwentyFourMember" name="EightPointFiveZeroPercentageSeniorUnsecuredNotesDueTwoThousandTwentyFourMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_EightPointFiveZeroPercentageSeniorUnsecuredNotesDueTwoThousandTwentyFourRedemptionUnderAdditionalOptionAvailableMember" name="EightPointFiveZeroPercentageSeniorUnsecuredNotesDueTwoThousandTwentyFourRedemptionUnderAdditionalOptionAvailableMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_EnovaLongTermIncentivePlanMember" name="EnovaLongTermIncentivePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_FundingDebtMember" name="FundingDebtMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_InducementRestrictedStockUnitsMember" name="InducementRestrictedStockUnitsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_LeadProviderAndBrokerRelationshipsMember" name="LeadProviderAndBrokerRelationshipsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_LinearFinancialTechnologiesHoldingLLCMember" name="LinearFinancialTechnologiesHoldingLLCMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_LocalCurrencyBorrowingCapacityMember" name="LocalCurrencyBorrowingCapacityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_NcrTwoThousandAndTwentyTwoSecuritizationFacilityMember" name="NcrTwoThousandAndTwentyTwoSecuritizationFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_NonqualifiedSavingsPlanMember" name="NonqualifiedSavingsPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OdastIiiNotesSecuritizationMember" name="OdastIiiNotesSecuritizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OdrAccountTwoThousandTwentyOneOneSecuritizationFacilityMember" name="OdrAccountTwoThousandTwentyOneOneSecuritizationFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OdrAccountTwoThousandTwentyTwoOneSecuritizationFacilityMember" name="OdrAccountTwoThousandTwentyTwoOneSecuritizationFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OfficersAndCertainEmployeesMember" name="OfficersAndCertainEmployeesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OnDeck401KPlanMember" name="OnDeck401KPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OndeckAssetSecuritizationTrustIiiSecuritizationMember" name="OndeckAssetSecuritizationTrustIiiSecuritizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OndeckAustraliaMember" name="OndeckAustraliaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OndeckCanadaMember" name="OndeckCanadaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OnDeckCapitalAustraliaPtyLimitedMember" name="OnDeckCapitalAustraliaPtyLimitedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OnDeckCapitalAustraliaPtyLtdMember" name="OnDeckCapitalAustraliaPtyLtdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OnDeckCapitalIncMember" name="OnDeckCapitalIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OnDeckCapitalIncorporationMember" name="OnDeckCapitalIncorporationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OtherInternationalCountriesMember" name="OtherInternationalCountriesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_PangeaUniversalHoldingsMember" name="PangeaUniversalHoldingsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_PriceWaterHouseCoopersLlpMember" name="PriceWaterHouseCoopersLlpMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_RaodSecuritizationFacilityMember" name="RaodSecuritizationFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_RevolvingCreditFacilityDueTwoThousandTwentySixMember" name="RevolvingCreditFacilityDueTwoThousandTwentySixMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_SavingsPlanMember" name="SavingsPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_SmallBusinessLoansAndFinanceReceivablesRevenueMember" name="SmallBusinessLoansAndFinanceReceivablesRevenueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_SmallBusinessMember" name="SmallBusinessMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_StateLocalAndForeignJurisdictionTaxAuthorityMember" name="StateLocalAndForeignJurisdictionTaxAuthorityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_TwoThousandAndTwentyThreeANotesMember" name="TwoThousandAndTwentyThreeANotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_TwoThousandEighteenASecuritizationNotesMember" name="TwoThousandEighteenASecuritizationNotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_TwoThousandEighteenOneSecuritizationFacilityMember" name="TwoThousandEighteenOneSecuritizationFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_TwoThousandEighteenTwoSecuritizationFacilityMember" name="TwoThousandEighteenTwoSecuritizationFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_TwoThousandFourteenEquityIncentivePlanMember" name="TwoThousandFourteenEquityIncentivePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_TwoThousandNineteenASecuritizationNotesMember" name="TwoThousandNineteenASecuritizationNotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_UnitedKingdomBusinessMember" name="UnitedKingdomBusinessMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_OperatingCostsAndExpensesPolicyTextBlock" name="OperatingCostsAndExpensesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_SignificantAccountingPoliciesTable" name="SignificantAccountingPoliciesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
<xsd:element id="enva_PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock" name="PropertyAndEquipmentEstimatedUsefulLivesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_ScheduleOfFinancingReceivablesRevenueTableTextBlock" name="ScheduleOfFinancingReceivablesRevenueTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_ScheduleOfMarketingExpensesTableTextBlock" name="ScheduleOfMarketingExpensesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_SupplementalCashFlowDisclosuresForLeasesTableTextBlock" name="SupplementalCashFlowDisclosuresForLeasesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_WeightedAverageRemainingLeaseTermAndDiscountRateTableTextBlock" name="WeightedAverageRemainingLeaseTermAndDiscountRateTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
<xsd:element id="enva_MarketingExpensesTextBlock" name="MarketingExpensesTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
</xsd:schema>

4 Subsequent Filings that Reference this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 2/23/24  Enova International, Inc.         10-K       12/31/23  113:21M                                    Donnelley … Solutions/FA
 7/25/23  SEC                               UPLOAD8/22/23    2:39K  Enova International, Inc.
 6/13/23  SEC                               UPLOAD8/22/23    2:45K  Enova International, Inc.
 4/28/23  SEC                               UPLOAD8/22/23    2:54K  Enova International, Inc.

28 Previous Filings that this Filing References

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 7/29/22  Enova International, Inc.         10-Q        6/30/22   65:18M                                    Donnelley … Solutions/FA
 5/03/22  Enova International, Inc.         10-Q        3/31/22   67:12M                                    Donnelley … Solutions/FA
 2/28/22  Enova International, Inc.         10-K       12/31/21  119:26M                                    Donnelley … Solutions/FA
10/29/21  Enova International, Inc.         10-Q        9/30/21   67:15M                                    ActiveDisclosure/FA
 8/02/21  Enova International, Inc.         10-Q        6/30/21   68:18M                                    ActiveDisclosure/FA
 5/03/21  Enova International, Inc.         8-K:4,8,9   4/28/21   12:190K                                   ActiveDisclosure/FA
 2/26/21  Enova International, Inc.         10-K       12/31/20  124:26M                                    ActiveDisclosure/FA
 7/30/20  Enova International, Inc.         8-K:1,9     7/28/20   11:1.3M                                   ActiveDisclosure/FA
 7/29/20  Enova International, Inc.         10-Q        6/30/20   71:16M                                    ActiveDisclosure/FA
 2/27/20  Enova International, Inc.         10-K       12/31/19  115:24M                                    ActiveDisclosure/FA
 7/31/19  Enova International, Inc.         10-Q        6/30/19   83:18M                                    ActiveDisclosure/FA
 2/27/19  Enova International, Inc.         10-K       12/31/18  119:23M                                    ActiveDisclosure/FA
10/31/18  Enova International, Inc.         10-Q        9/30/18   94:28M                                    ActiveDisclosure/FA
 8/01/18  Enova International, Inc.         10-Q        6/30/18   88:25M                                    ActiveDisclosure/FA
11/17/17  Enova International, Inc.         8-K:5,9    11/14/17    3:1.9M                                   ActiveDisclosure/FA
11/01/17  Enova International, Inc.         10-Q        9/30/17   79:25M                                    ActiveDisclosure/FA
 9/08/17  Enova International, Inc.         8-K:1,2,8,9 9/01/17    3:1.2M                                   ActiveDisclosure/FA
 8/02/17  Enova International, Inc.         10-Q        6/30/17   76:25M                                    ActiveDisclosure/FA
 8/04/16  Enova International, Inc.         10-Q        6/30/16   81:20M                                    ActiveDisclosure/FA
 4/07/16  Enova International, Inc.         DEF 14A     5/17/16    1:992K                                   Donnelley … Solutions/FA
 3/31/16  Enova International, Inc.         8-K:1,5,9   3/30/16    3:102K                                   ActiveDisclosure/FA
 8/11/15  Enova International, Inc.         10-Q        6/30/15   68:14M                                    ActiveDisclosure/FA
11/19/14  Enova International, Inc.         8-K:1,5,8,911/12/14   10:1.1M                                   Donnelley … Solutions/FA
11/14/14  Enova International, Inc.         10-Q        9/30/14    6:4M                                     ActiveDisclosure/FA
10/22/14  Enova International, Inc.         10-12B/A               3:3.7M                                   Donnelley … Solutions/FA
10/17/14  Enova International, Inc.         10-12B/A   10/16/14   10:3.8M                                   Donnelley … Solutions/FA
10/02/14  Enova International, Inc.         10-12B/A              13:5.1M                                   Donnelley … Solutions/FA
 7/31/14  Enova International, Inc.         10-12B                10:5.5M                                   Donnelley … Solutions/FA
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