Exhibit 5.1

 

December 19, 2025

Enova International, Inc.

175 W. Jackson Blvd., Suite 600

Chicago, IL 60604

Ladies and Gentlemen:

We have acted as counsel to Enova International, Inc., a Delaware corporation (the “Company”), and are rendering this opinion in connection with the registration by the Company under the Securities Act of 1933 (the “Securities Act”) of the issuance of an aggregate of 1,551,801 shares of the Company’s common stock, par value $0.00001 per share (the “Shares”), pursuant to the Registration Statement on Form S-4 filed with the United States Securities and Exchange Commission on the date hereof (as it may be amended from time to time, the “Registration Statement”). The Shares are to be issued pursuant to an Agreement and Plan of Merger, dated as of December 10, 2025 (as amended through the date hereof, the “Merger Agreement”), by and between the Company and Grasshopper Bancorp, Inc., a Delaware corporation (“Grasshopper”), pursuant to which, among other things, Grasshopper will merge with and into the Company, with the Company continuing as the surviving corporation.

We have reviewed the Registration Statement, the Merger Agreement, the Restated Certificate of Incorporation of the Company, and the Amended and Restated Bylaws of the Company.

We have also reviewed such corporate records, certificates and other documents, and such questions of law, as we have deemed necessary or appropriate for the purposes of this opinion. We have assumed that all signatures are genuine, that all documents submitted to us as originals are authentic and that all copies of such documents submitted to us conform to the originals.

We have assumed that the Shares will be duly registered on the books of the transfer agent and registrar of the common stock and that the Company will comply with applicable notice requirements regarding the uncertificated shares provided under the Delaware General Corporation Law (the “DGCL”). We have assumed further that, except as to legal conclusions expressly set forth in this opinion, the information and representations and warranties contained in the agreements, instruments, records, certificates and other documents we reviewed were true, accurate and complete as of their stated date and are true, accurate and complete as of the date of this letter.

We have relied as to certain matters on information obtained from public officials, officers of the Company, and other sources believed by us to be responsible.

We have assumed that, prior to the issuance of any of the Shares, (a) the Registration Statement will have become effective under the Securities Act, (b) to the extent required under the DGCL, the stockholders of Grasshopper will have approved the adoption of the Merger Agreement, including the transactions contemplated thereby, and (c) the transactions contemplated by the Merger Agreement will have been consummated in accordance with the Merger Agreement following the satisfaction or waiver of the conditions set forth therein and in conformity with applicable requirements under the DGCL.

Enova International, Inc.

December 19, 2025

Page 2

 

Based upon the foregoing, we are of the opinion that the Shares have been duly authorized and, when the Registration Statement has become effective under the Securities Act, the Shares, when duly issued in accordance with the Merger Agreement, will be validly issued, fully paid and non-assessable.

We are members of the bar of the District of Columbia. We do not express any opinion herein on any laws other than the DGCL.

We hereby consent to the filing of this opinion as Exhibit 5.1 to the Registration Statement. We also hereby consent to the reference to our firm under the heading “Legal Matters” in the proxy statement/prospectus constituting part of the Registration Statement. In giving such consent, we do not thereby admit that we are in the category of persons whose consent is required under Section 7 of the Securities Act.