OMNIBUS WAIVER, CONSENT AND AMENDMENT AGREEMENT

EXHIBIT 10.1

OMNIBUS WAIVER, CONSENT AND AMENDMENT AGREEMENT

This OMNIBUS WAIVER, CONSENT AND AMENDMENT AGREEMENT (this “Agreement”), dated as of May 9, 2014, is made by and among CASH AMERICA INTERNATIONAL, INC. (the “Company”), a Texas corporation, each of the Guarantors listed on the signature pages hereto, and each of the holders of the Notes (defined below) set forth on Annex 1 hereto (the “Noteholders”).

1. PRELIMINARY STATEMENTS.

WHEREAS, the Company previously issued (a) $35,000,000 in aggregate principal amount of its 6.09% Series A Senior Notes due December 19, 2016 (the “2006 Series A Notes”), and (b) $25,000,000 in aggregate principal amount of its 6.21% Series B Senior Notes due December 19, 2021 (the “2006 Series B Notes” and, collectively with the 2006 Series A Notes and any and all other notes for which such notes, or any successor notes, have been substituted or exchanged, the “2006 Notes”), pursuant to the terms of that certain Note Purchase Agreement, dated as of December 19, 2006, by and between the Company and each of the purchasers listed on Schedule A thereto, as amended by that certain Amendment No. 1 to Note Purchase Agreement dated as of December 11, 2008 and that certain Amendment No. 2 to Note Purchase Agreement dated as of May 25, 2012 (as so amended and as may be further amended, restated, supplemented or otherwise modified from time to time, the “2006 Note Purchase Agreement”);

WHEREAS, the Company previously issued $25,000,000 in aggregate principal amount of its 7.26% Senior Notes due January 28, 2017 (collectively with any and all other notes for which such notes, or any successor notes, have been substituted or exchanged, the “2010 Notes”), pursuant to the terms of that certain Note Purchase Agreement, dated as of January 28, 2010, by and between the Company and each of the purchasers listed on Schedule A thereto, as amended by that certain Amendment No. 1 to Note Purchase Agreement dated as of May 25, 2012 (as so amended and as may be further amended, restated, supplemented or otherwise modified from time to time, the “2010 Note Purchase Agreement”);

WHEREAS, the Company previously issued (a) $47,000,000 in aggregate principal amount of its 6.00% Series A Senior Notes due August 28, 2019 (the “2012 Series A Notes”), and (b) $5,000,000 in aggregate principal amount of its 6.58% Series B Senior Notes due August 28, 2022 (the “2012 Series B Notes” and, collectively with the 2012 Series A Notes and any and all other notes for which such notes, or any successor notes, have been substituted or exchanged, the “2012 Notes” and together with the 2006 Notes and the 2010 Notes, collectively, the “Notes”), pursuant to the terms of that certain Note Purchase Agreement, dated as of August 28, 2012, by and between the Company and each of the purchasers listed on Schedule A thereto (as amended, restated, supplemented or otherwise modified from time to time, the “2012 Note Purchase Agreement” and together with the 2006 Note Purchase Agreement and the 2010 Note Purchase Agreement, collectively, the “Note Purchase Agreements”);

WHEREAS, the Company is contemplating a potential tax-free spin-off of Enova International, Inc. (“Enova”), a Subsidiary of the Company, through the distribution of at least 80% of Enova’s outstanding common stock to shareholders of the Company (the “Enova Spin-off Transaction”), which, if consummated, will result in Enova becoming a separate publicly traded company;

WHEREAS, in connection with the contemplated Enova Spin-off Transaction, Enova is seeking to raise up to $700,000,000 via a public or private bond offering (the “Enova Debt Issuance”) in order to, among other things, repay certain intercompany indebtedness owed by Enova to the Company; and

WHEREAS, in connection with the contemplated Enova Debt Issuance, the Company has requested that the Enova Entities (as defined below) be released as guarantor(s) under the separate Joint and Several Guaranties executed in respect of each Note Purchase Agreement (collectively, the “Joint and Several Guaranties”);

NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows:

2. DEFINED TERMS.

Capitalized terms used herein and not otherwise defined herein have the meanings ascribed to them in the respective Note Purchase Agreements.

3. RELEASE OF CERTAIN GUARANTORS.

Subject to satisfaction of the conditions precedent set forth in Section 6 hereof, each of the Noteholders hereby consents and releases, effective as of the Enova Consent Effective Date (as defined below), Enova and each of its Subsidiaries listed on Annex 2 hereto (collectively the “Enova Entities”) from their respective obligations and liabilities under each Joint and Several Guaranty (the “Enova Guaranty Release”). Except as expressly granted by the Enova Guaranty Release, nothing in this Agreement shall in any way affect, limit, contravene or amend any of the obligations or liabilities of the other Guarantors (the “Remaining Obligors”) under the Joint and Several Guaranties. Each Remaining Obligor by execution of this Agreement agrees that it shall have no Contribution Rights against any of the Enova Entities as contemplated by Section 1 of each of the Subrogation and Contribution Agreements executed in connection with the Note Purchase Agreements. This consent to the Enova Guaranty Release is a limited consent and shall not be deemed to constitute a waiver or consent with respect to any other current or future departure from the requirements of any provision of the Note Purchase Agreements or the other Loan Documents.

4. WAIVER AND AMENDMENT.

(a) Waiver. Subject to satisfaction of each of the conditions precedent set forth in Section 6 hereof (other than, in the case of the Enova Debt Consent, the conditions precedent set forth in Sections 6(c) and 6(d)(i) below) and subject to the next succeeding sentence hereof, each of the Noteholders hereby waives compliance with the covenants set forth in (x) the second sentence of Section 9.5 of each of the Note Purchase Agreements and (y) Sections 10.2, 10.6 and 10.8 of each of the Note Purchase Agreements, in each case solely to the extent necessary to permit both the consummation of the Enova Debt Issuance (the “Enova Debt Consent”) and the consummation of the Enova Spin-Off Transaction (the “Enova Spin-Off Consent” and together

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with the Enova Debt Consent, collectively, the “Enova Consents”) and, by virtue of this waiver, the consummation of the Enova Debt Issuance and the Enova Spin-Off Transaction shall not constitute a Default or an Event of Default under the Note Purchase Agreements or the other respective Loan Documents as a result of the Company’s failure to comply with any such section of the Note Purchase Agreements in connection with the consummation of such transactions. Notwithstanding anything contained herein to the contrary, the Enova Consents (and the agreement by the Noteholders to provide such Enova Consents pursuant to this Section 4) shall cease to be effective upon the earliest to occur of:

(i) the occurrence of any Default or Event of Default under the Note Purchase Agreements,

(ii) the date that is two Business Days after the date on which the Enova Debt Issuance is consummated, if, on or prior to such date, the Company shall have failed to repay the Notes in full, together with all accrued and unpaid interest thereon and the Make-Whole Amount payable in connection therewith, in accordance with Section 5 hereof,

(iii) the failure of the Company to comply with its obligations set forth in Section 5(a) or Section 5(c) below,

(iv) July 31, 2014, to the extent the Enova Debt Issuance is not consummated on or prior to such date,

(the earliest date on which any event described in clauses (i), (ii) or (iii) above occurs, a “Waiver Termination Date”). If the Waiver Termination Date should occur, the Enova Consents granted pursuant to this Section 4 shall immediately terminate and be void ab initio and this Agreement shall not operate to waive any rights or remedies of the holders of the Notes with respect to any Default or Event of Default arising in connection with the consummation of the Enova Debt Issuance and the Enova Spin-Off Transaction. If the Company shall have indefeasibly repaid the Notes in full in cash, together with all accrued and unpaid interest thereon and the Make-Whole Amount and all other amounts payable in connection therewith, in accordance with Section 5 hereof, the waivers granted pursuant to this Section 4 shall be permanent and shall not terminate.

(b) Amendments.

(i) The Company and each of the Noteholders hereby agree that the second sentence in Section 8.2 of each of the Note Purchase Agreements is hereby amended and restated in its entirety to read as follows:

“The Company will give each holder of Notes written notice of each optional prepayment under this Section 8.2 not less than 30 days and not more than 60 days prior to the date fixed for such prepayment; provided that, solely with respect to any optional prepayment in full of all Notes under this Section 8.2 in connection with the consummation of the Enova Debt Issuance, (x) the Company shall be required to give the holders of Notes two Business Days’ prior written notice of any such prepayment, and (y) any such notice delivered pursuant

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to clause (x) shall be accompanied by a certificate of a Senior Financial Officer specifying the calculation of the Make-Whole Amount due in connection with such prepayment as of the prepayment date specified in such notice (which certificate shall be deemed to satisfy the requirements for delivery of Make-Whole Amount calculations set forth in the next two succeeding sentences of this Section 8.2).”

(ii) The Company and each of the Noteholders hereby agree that Schedule B to each of the Note Purchase Agreements is hereby amended by inserting the following new defined term in its appropriate alphabetical order:

“Enova Debt Issuance” shall have the meaning specified in that certain Omnibus Waiver, Consent and Amendment Agreement, dated as of May [9], 2014, by and among the Company, the Guarantors party thereto and each of the Noteholders.

(c) Effect of Waivers and Amendments. The consents, waivers and amendments set forth in this Section 4 are limited to the matters expressly set forth herein and shall not be deemed to waive, amend, or modify any other term in the Note Purchase Agreements.

5. AGREEMENT TO PREPAY NOTES.

(a) Notice of Prepayment; Prepayment. On or prior to the date on which the Enova Debt Issuance is consummated, the Company will provide written notice to the Noteholders of the exercise of its option to prepay the Notes in full in cash in accordance with Section 8.2 of each of the Note Purchase Agreements (the “Prepayment Notice”). Such Prepayment Notice shall (i) provide for the election by the Company to prepay the entire outstanding principal amount of the Notes in full, together with all accrued interest thereon to the date of such prepayment, the applicable Make-Whole Amount payable in respect thereof and all fees and other amounts payable in connection therewith (collectively, the “Pay-Off Amount”); (ii) specify the date fixed for such prepayment, which shall, in no event, be later than the date that is two Business Days after the date on which the Enova Debt Issuance is consummated (the “Prepayment Date”); and (iii) contain such other information and attach such additional certificates as may be required by Section 8.2 of each of the Note Purchase Agreements (as amended by this Agreement). On the Prepayment Date, the Company shall prepay the Notes in full in cash by wire transfer of immediately available funds in accordance with the terms of the respective Note Purchase Agreements (regardless of whether the Enova Spin-off Transaction is consummated prior to such Prepayment Date).

(b) Settlement Payment in Respect of Notes. The Noteholders agree that, in exchange for, and conditioned upon the Company’s payment of the Pay-Off Amount in cash by wire transfer of immediately available funds, the Noteholders shall deliver all Notes to the Company in accordance with Section 18 of each of the Note Purchase Agreements promptly following receipt of the Pay-Off Amount. Such payment is in settlement of the Company’s obligations in respect of the Notes and the Note Purchase Agreements and constitutes a settlement payment in respect of a securities contract for purposes of Section 546(e) of the United States Bankruptcy Code of 1978, as amended.

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(c) Obligors under Enova Debt Documents. The Company shall not, and shall not permit any of its Remaining Obligors, to incur any guarantee obligations, or otherwise become liable, in respect of the Enova Debt Documents (as defined below).

(d) Additional Event of Default. The failure of the Company to comply with the covenants set forth in any one or more of Sections 5(a) or 5(c) above shall constitute an immediate Event of Default pursuant to Section 11(c) of the Note Purchase Agreement.

6. CONDITIONS TO EFFECTIVENESS OF CONSENTS AND WAIVERS.

The consents and waivers set forth in Section 3 and Section 4(a) of this Agreement shall be effective, if at all, as of the date (such date, the “Enova Consent Effective Date”) on which each of the following conditions precedent shall have been satisfied or waived by the holders of the Notes in writing; provided, however, (x) the Enova Debt Consent set forth in Section 4(a) shall be effective upon the satisfaction of the conditions set forth in clauses (a), (b) and (d)(ii) below, and (y) the date on which the conditions precedent set forth in this Section 6 are satisfied or waived by the holders of the Notes occurs on or prior to July 31, 2014:

(a) Each Noteholder shall have received a counterpart of this Agreement, duly executed by the Company and each of the other Noteholders.

(b) The representations and warranties contained herein shall be true and correct in all material respects.

(c) The Enova Debt Issuance shall have been consummated.

(d) No default or event of default shall have occurred and be continuing under (i) the loan agreement, note purchase agreement, indenture or other documents, instrument and agreements relating to the Enova Debt Issuance (collectively, the “Enova Debt Documents”) or (ii) that certain Credit Agreement, dated as of March 30, 2011, by and among the Company, the guarantors party thereto, the lenders party thereto and Wells Fargo Bank, National Association, as administrative agent, as amended (the “Credit Agreement”).

7. REPRESENTATIONS AND WARRANTIES.

To induce the Noteholders to consent to this Agreement, the Company represents and warrants as follows:

7.1. Organization; Power and Authority.

(a) The Company is a corporation, duly organized and validly existing under the laws of the State of Texas. The Company is duly qualified and in good standing as a foreign corporation in each other jurisdiction where such qualification is required by law (to the extent that such concepts are recognized in such jurisdiction), other than those jurisdictions as to which the failure to be so qualified or in good standing could not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect.

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(b) The Company has the requisite power and authority to own or hold under lease the properties it purports to own or hold under lease, to transact the business it transacts and proposes to transact, to execute and deliver this Agreement and to perform the provisions hereof.

7.2. Authorization, etc.

This Agreement has been duly authorized by all necessary corporate action on the part of the Company, and constitutes a legal, valid and binding obligation of the Company enforceable against the Company in accordance with its terms, except as such enforceability may be limited by (a) applicable bankruptcy, insolvency, reorganization, moratorium or other similar laws affecting the enforcement of creditors’ rights generally and (b) general principles of equity (regardless of whether such enforceability is considered in a proceeding in equity or at law).

7.3. Compliance with Laws, Other Instruments, etc.

The execution, delivery and performance by the Company of this Agreement will not:

(a) contravene, result in any breach of, or constitute a default under, or result in the creation of any Lien in respect of any property of the Company or any Subsidiary under, the Enova Debt Documents or any indenture, mortgage, deed of trust, loan, purchase or credit agreement (including, without limitation, the Credit Agreement), lease, or any other agreement or instrument to which the Company or any Subsidiary is bound or by which the Company or any Subsidiary or any of their respective properties may be bound or affected, except in each case, such as could not reasonably be expected to result in a Material Adverse Effect,

(b) violate the corporate charter, articles of organization, by-laws, operating agreement or other similar organizational documents of the Company or any Subsidiary,

(c) conflict with or result in a breach of any of the terms, conditions or provisions of any order, judgment, decree, or ruling of any court, arbitrator or Governmental Authority applicable to the Company or any Subsidiary, or

(d) violate any provision of any statute or other rule or regulation of any Governmental Authority applicable to the Company or any Subsidiary.

7.4. Governmental Authorizations, etc.

No consent, approval or authorization of, or registration, filing or declaration with, any Governmental Authority is required in connection with the execution, delivery or performance by the Company of this Agreement.

7.5. Disclosure.

This Agreement, each other document, certificate or other writing delivered to each Noteholder by or on behalf of the Company in connection with the transactions contemplated hereby and the financial statements and other documents delivered to the Noteholders prior to the date hereof pursuant to Section 7 of each of the Note Purchase Agreements do not contain any untrue statement of a material fact or omit to state any material fact necessary to make the

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statements therein not misleading in light of the circumstances under which they were made. Since December 31, 2013, there has been no change in the financial condition, operations, business, properties or prospects of the Company except changes that individually or in the aggregate could not reasonably be expected to have a Material Adverse Effect. There is no fact known to the Company that could reasonably be expected to have a Material Adverse Effect.

7.6. No Defaults.

No event has occurred and is continuing and no condition exists which, upon the effectiveness of the consents, waivers and amendments provided for in this Agreement, would constitute a Default or Event of Default.

7.7. Bringdown of Representations and Warranties.

Each of the representations and warranties set forth in Section 5 of each of the Note Purchase Agreements is true, correct and complete in all respects as of the date hereof (except to the extent such representations and warranties expressly relate to another date, in which case such representations and warranties are true, correct and complete as of such other date).

7.8. Registered Holders of Notes.

The Company represents to each of the Noteholders that:

(a) the register kept by the Company for the registration and transfer of the 2006 Notes provided for in Section 13.1 of the 2006 Note Purchase Agreement indicates that each of the Persons named in Part A of Annex 1 hereto is currently a holder of the aggregate principal amount of the 2006 Notes indicated in such Annex;

(b) the register kept by the Company for the registration and transfer of the 2010 Notes provided for in Section 13.1 of the 2010 Note Purchase Agreement indicates that each of the Persons named in Part B of Annex 1 hereto is currently a holder of the aggregate principal amount of the 2010 Notes indicated in such Annex; and

(c) the register kept by the Company for the registration and transfer of the 2012 Notes provided for in Section 13.1 of the 2012 Note Purchase Agreement indicates that each of the Persons named in Part C of Annex 1 hereto is currently a holder of the aggregate principal amount of the 2012 Notes indicated in such Annex.

8. EXPENSES.

Whether or not the consents, waivers and amendments in Sections 3 and 4 hereof become effective, the Company will promptly (and in any event within thirty (30) days of receiving any statement or invoice therefor) pay all fees, expenses and costs of the Noteholders relating to this Agreement, including, but not limited to, the reasonable fees of the special counsel of the holders of the Notes, Bingham McCutchen LLP, incurred in connection with the preparation, negotiation and delivery of this Agreement and any other documents related thereto. Nothing in this Section 8 shall limit the Company’s obligations pursuant to any provisions related to fees and expenses, including without limitation, Section 15.1 of each of the Note Purchase Agreements.

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9. RELEASE.

The Company hereby acknowledges and agrees, on behalf of itself and each of its Subsidiaries, that: (a) neither it nor any of its Subsidiaries has any claim or cause of action against any holder of the Notes (or any of their respective Affiliates, officers, directors, employees, attorneys, consultants or agents in their capacities as such for any holder of the Notes) in connection with the Note Purchase Agreements, the Notes or any of the other Loan Documents and (b) each holder of the Notes has heretofore properly performed and satisfied in a timely manner all of its obligations to the Company and its Subsidiaries under the Loan Documents that are required to have been performed on or prior to the date hereof. Notwithstanding the foregoing, the holders of the Notes wish (and the Company agrees) to eliminate any possibility that any past conditions, acts, omissions, events or circumstances would impair or otherwise adversely affect any of the holders’ rights, interests, security and/or remedies under the Loan Documents. Accordingly, for and in consideration of the agreements contained in this Agreement and other good and valuable consideration the receipt and sufficiency of which are hereby acknowledged, the Company (for itself and each Subsidiary) (collectively, the “Releasors”) does hereby fully, finally, unconditionally and irrevocably release and forever discharge each holder of the Notes and each of their respective Affiliates, officers, directors, employees, attorneys, consultants and agents (collectively, the “Noteholder Released Parties”) from any and all debts, claims, losses, obligations, damages, costs, attorneys’ fees, suits, demands, liabilities, actions, proceedings and causes of action, in each case, whether known or unknown, contingent or fixed, direct or indirect, and of whatever nature or description, and whether in law or in equity, under contract, tort, statute or otherwise, which any Releasor has heretofore had or now or hereafter can, shall or may have against any Noteholder Released Party by reason of any act, omission or thing whatsoever done or omitted to be done on or prior to the Enova Consent Effective Date directly arising out of, connected with or related to this Agreement, the Note Purchase Agreements, the Notes or any other Loan Documents, or any act, event or transaction related or attendant thereto, or the agreements of any holder of the Notes contained therein; provided, however, that nothing herein shall release any holder of the Notes from its agreements and obligations contained in this Agreement.

10. SURVIVAL OF REPRESENTATIONS AND WARRANTIES.

All representations and warranties made in this Agreement shall survive the execution and delivery of this Agreement, and no investigation by any Noteholder shall affect such representations and warranties or the right of the Noteholders to rely upon them.

11. CONSENT AND REAFFIRMATION.

Each of the Guarantors (other than the Enova Entities), by its execution of this Agreement, hereby agrees and acknowledges that (i) notwithstanding the effectiveness of, and satisfaction of the conditions under, this Agreement, the Joint and Several Guaranty shall remain in full force and effect without modification thereto and (ii) nothing herein shall in any way limit any of the terms or provisions of the Joint and Several Guaranty, all of which are hereby ratified, confirmed and affirmed in all respects.

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12. MISCELLANEOUS.

12.1. Part of Existing Note Purchase Agreements; Future References, etc.

This Agreement shall be construed in connection with and as a part of each of the Note Purchase Agreements and, except as expressly provided herein, (a) no terms or provisions of the Note Purchase Agreements or any other Loan Document are modified or changed by this Agreement, (b) the terms of this Agreement shall not operate as an amendment or waiver by any Noteholder of, or otherwise prejudice any Noteholder’s rights, remedies or powers under, the Note Purchase Agreements, the Notes or any other Loan Document or under any applicable law, and (c) the terms and provisions of the Note Purchase Agreements, the Notes and the other Loan Documents shall continue in full force and effect. Any and all notices, requests, certificates and other instruments executed and delivered after the execution and delivery of this Agreement may refer to the respective Note Purchase Agreements without making specific reference to this Agreement, but nevertheless all such references shall include this Agreement unless the context otherwise requires.

12.2. Counterparts.

This Agreement may be executed in any number of counterparts, each of which shall be an original but all of which together shall constitute one instrument. Each counterpart may consist of a number of copies hereof, each signed by less than all, but together signed by all, of the parties hereto. Delivery of an executed counterpart of a signature page of this Agreement by telecopy or by electronic transmission shall be effective as delivery of a manually executed counterpart of this Agreement.

12.3. Governing Law.

THIS AGREEMENT SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH, AND THE RIGHTS OF THE PARTIES SHALL BE GOVERNED BY, THE LAW OF THE STATE OF NEW YORK EXCLUDING CHOICE-OF-LAW PRINCIPLES OF THE LAW OF SUCH STATE THAT WOULD REQUIRE THE APPLICATION OF THE LAWS OF A JURISDICTION OTHER THAN SUCH STATE.

12.4. Binding Effect.

This Agreement shall be binding upon and shall inure to the benefit of the Company and the Noteholders and their respective successors and assigns.

[Remainder of page intentionally left blank. Next page is signature page.]

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IN WITNESS WHEREOF, the parties hereto have caused the execution of this Agreement by duly authorized officers of each as of the date first above written.

ANNEX 1

NOTEHOLDERS AND PRINCIPAL AMOUNTS

PART A: 2006 NOTEHOLDERS

Annex 1-22

PART B: 2010 NOTEHOLDERS

Annex 1-23

PART C: 2012 NOTEHOLDERS

Annex 1-24

Annex 1-25

ANNEX 2

ENOVA ENTITIES