FIFTH AMENDMENT+

Exhibit 4.13

FIFTH AMENDMENT⁺

This FIFTH AMENDMENT, which is signed as of the date specified on the first signature page hereto and effective as of the dates specified in Section 2 hereof (this “Amendment”), is by and between EFR 2016-1, LLC (the “Issuer”) and Bankers Trust Company, in its capacity as indenture trustee and securities intermediary (the “Indenture Trustee”).  Whenever used in this Amendment and unless the context requires a different meaning, capitalized terms used herein and not otherwise expressly defined herein shall have the meanings assigned to such terms in Part I of Appendix A to the Indenture, dated as of January 15, 2016, by and between the Issuer and the Indenture Trustee (as amended, restated, supplemented or otherwise modified, the “Indenture”).

WHEREAS, the Issuer and the Indenture Trustee desire to amend the Indenture in certain respects; and

WHEREAS, all of the Variable Funding Note Noteholders and all of the Note Owners (the “Consenting Investors”) have executed consents (the “Investor Consents”) to this Amendment.

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

“(unless such delivery is waived by such Majority Holders)”

“ACH Sweep Account Transition Date” shall mean, with respect to the ACH Sweep Account, the date on which the Master Servicer gives notice to the Noteholders that ACH payments will be directed to the related ACH Sweep Account held at Green Bank.”

“ACH Sweep Account” shall mean (a) with respect to any day prior to the ACH Sweep Account Transition Date, an account to be established prior to the Cut-Over Date at U.S. Bank National Association, bearing the account number set forth in that certain side letter dated as of July 26, 2016, by and among the Master Servicer, the Issuer, the Administrative Agent, each Variable Funding Note Noteholder and Bankers Trust, which is held by the Indenture Trustee on behalf of the Noteholders and (b) with respect to any day on or after the ACH Sweep Account Transition Date, an account established at Green Bank, bearing the account number ***, which is held by the Indenture Trustee on behalf of the Noteholders, and in each case which is (prior to, and as a condition precedent to, any amounts being deposited therein) subject to the ACH Sweep Blocked Account Control Agreement, and for which an Obligor shall (once such account is subject to an ACH Sweep Blocked Account Control Agreement) be directed to remit all ACH payments, if applicable, under its applicable Contract.”

“ACH Sweep Blocked Account Control Agreement” shall mean (a) with respect to any day prior to the ACH Sweep Transition Date, the Blocked Account Control Agreement, dated as of a date prior to the Cut-Over Date, by and among Enova, the Indenture Trustee and U.S. Bank National Association, as the depositary bank and (b) with respect to any day on or after the ACH Sweep Account Transition Date, the Blocked Account Control Agreement, dated as of or before the ACH Sweep Account Transition Date, by and among Enova, the Indenture Trustee and Green Bank, as the depositary bank.”

“Blocked Account Control Agreement” shall mean either (a) the Blocked Account Control Agreement, dated as of January 15, 2016, by and among the Intercreditor Agent, the Account Holder and U.S. Bank National Association, as the depositary bank or (b) any Blocked Account Control Agreement, by and among the Intercreditor Agent, the Account Holder, the Master Servicer and the depositary bank where the related account is held, which is in form and substance reasonably acceptable to the Majority Holders.”

“Collection Receipt Accounts” shall mean the accounts (1) bearing account number ***, held by the Account Holder on behalf of the Master

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Servicer at U.S. Bank National Association, (2) bearing account number ***, held by the Account Holder on behalf of the Master Servicer at Green Bank, (3) bearing account number ***, held by the Account Holder on behalf of the Master Servicer at U.S. Bank National Association and (4) any other account designated by Master Servicer in a notice to the Noteholders as an account into which Collections may be deposited, each of which shall (prior to, and as a condition precedent to, any amounts being deposited therein) be subject to a Blocked Account Control Agreement and the Intercreditor Agreement, and for which an Obligor may (once such account is subject to a Blocked Account Control Agreement and the Intercreditor Agreement) remit (i) prior to the Cut-Over Date all payments under its applicable Contract, and (ii) on and after the Cut-Over Date, all payments under its applicable Contract other than ACH payments, which shall be remitted to the ACH Sweep Account.”

“Eligible LMP Refinancing Receivable” means an Eligible Refinancing Receivable as to which (i) the principal balance on the date such Eligible Refinancing Receivable was originated is the same as the Outstanding Receivable Principal Balance on such date of the applicable refinanced Serviced Receivable and (ii) the final scheduled maturity date is later than the final scheduled maturity date of the applicable refinanced Serviced Receivable.

“Eligible Refinancing Receivable” shall mean a Receivable that was (i) originated or underwritten pursuant to the Credit Policies and (ii) originated or acquired in connection with a Refinancing as to which the applicable refinanced Serviced Receivable’s status was current with no amount past due as of the date of such Refinancing.”

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Upon the satisfaction of such conditions precedent, this Amendment shall take effect as follows:

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The parties hereto acknowledge that, in making the certifications in the foregoing clause (ii), the Indenture Trustee has relied solely and exclusively (without any duty to make further inquiry, including any duty to inquire whether a holder holds for the account of one or more other persons) on (A) the Certificates of Variable Funding Note Noteholders and Certificates of Term Note Owners received by it pursuant to the terms of the Indenture and as contemplated therein and (B) the Investor Consents.

[Remainder of Page Intentionally Left Blank; Signature Pages Follows]

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IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed on December 14, 2016 and effective as of the dates specified in Section 2 above.

EFR 2016-1, LLC

By:/s/ Steve Cunningham
Name: Steve Cunningham
Title: CFO

Signature Page to Fifth Amendment (EFR 2016-1, LLC)

BANKERS TRUST COMPANY, as Indenture Trustee and not in its individual capacity

By:/s/ Minda Barr
Name: Minda Barr
Title: Vice President

BANKERS TRUST COMPANY, as Securities Intermediary and not in its individual capacity

By:/s/ Minda Barr
Name: Minda Barr
Title: Vice President

Signature Page to Fifth Amendment (EFR 2016-1, LLC)