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Exhibit 21.1

Subsidiaries of Enova International, Inc.

The following is a list of subsidiaries of Enova International, Inc. as of February 20, 2026:

Entity Name

Jurisdiction of Incorporation/Organization

Direct Ownership %

  ├─┬─ Debit Plus, LLC

Delaware

100.00%

  │ ├─── Debit Plus Payment Solutions, LLC

Delaware

100.00%

  │ ├─── Debit Plus Services, LLC

Delaware

100.00%

  │ └─── Debit Plus Technologies, LLC

Delaware

100.00%

  ├─┬─ Energy Intermediate, Inc

Delaware

100.00%

  │ └─┬─ On Deck Capital, Inc

Delaware

100.00%

  │ ├─── ODWS, LLC

Delaware

100.00%

  │ ├─── ODX, LLC

Delaware

100.00%

  │ ├─── OnDeck Asset Securitization Trust III, LLC

Delaware

100.00%

  │ ├─── OnDeck Canada Holdings, Inc

Delaware

100.00%

  │ ├─── OnDeck Capital Australia Pty Ltd

Australia

20.00%

  │ ├─── OnDeck Capital UK, Ltd

England

100.00%

  └─┬─ Enova Online Services, LLC

Delaware

100.00%

        ├─┬─ Align Mint, LLC

Delaware

100.00%

        │ └─┬─ Cumulus Funding, Inc.

Delaware

100.00%

        │ └─── Align Balance, LLC

Delaware

100.00%

        ├─┬─ CNU Online Holdings, LLC

Delaware

100.00%

        │ ├─── CashNetUSA of Florida, LLC

Delaware

100.00%

        │ ├─┬─ CNU Global-1, LLC

Delaware

100.00%

        │ │ ├─── CNU of Mexico 1, LLC

Mexico

99.00%

        │ │ └─── CNU of Mexico 2, LLC

Mexico

99.00%

        │ ├─┬─ CNU Global-2, LLC

Delaware

100.00%

        │ │ ├─── CNU of Mexico 1, LLC

Mexico

1.00%

        │ │ └─── CNU of Mexico 2, LLC

Mexico

1.00%

        │ ├─── CNU Loan Services, LLC

Delaware

100.00%

        │ ├─── CNU of California, LLC

Delaware

100.00%

        │ ├─── CNU of Delaware, LLC

Delaware

100.00%

        │ ├─── CNU of Illinois, LLC

Delaware

100.00%

        │ ├─── CNU of Indiana, LLC

Delaware

100.00%

        │ ├─── CNU of Michigan, LLC

Delaware

100.00%

        │ ├─── CNU of Mississippi, LLC

Delaware

100.00%

        │ ├─── CNU of Missouri, LLC

Delaware

100.00%

        │ ├─── CNU of Nevada, LLC

Delaware

100.00%

        │ ├─── CNU of Oklahoma, LLC

Delaware

100.00%

        │ ├─── CNU of South Carolina, LLC

Delaware

100.00%

        │ ├─── CNU of Tennessee, LLC

Delaware

100.00%

        │ ├─── CNU of Texas, LLC

Delaware

100.00%

        │ ├─── CNU of Wisconsin, LLC

Delaware

100.00%

        │ ├─┬─ Enova Brazil, LLC

Delaware

100.00%

        │ │ └─── LH1003 Servicos De Dados LTDA

Brazil

1.00%

        │ ├─┬─ Enova Card HoldCo, LLC

Delaware

100.00%

        │ │ └─── Enova Card Services, LLC

Delaware

100.00%

        │ ├─┬─ Enova Finance 5, LLC

Delaware

100.00%

        │ │ └─── EFR 2016-1, LLC

Delaware

100.00%

        │ ├─── Enova International GEC, LLC

Delaware

100.00%

        │ ├─┬─ Enova SMB, LLC

Delaware

100.00%

        │ │ ├─┬─ Headway Capital, LLC

Utah

100.00%

        │ │ │ ├─── CashNet CSO of Maryland, LLC

Delaware

100.00%

        │ │ │ ├─── CNU of Alabama, LLC

Delaware

100.00%

        │ │ │ ├─── CNU of Idaho, LLC

Delaware

100.00%

        │ │ │ ├─── CNU of Kansas, LLC

Delaware

100.00%


        │ │ │ ├─┬─ CNU of Utah, LLC

Utah

100.00%

        │ │ │ │ ├─── CNU of Louisiana, LLC

Utah

100.00%

        │ │ │ │ ├─── NC Financial Solutions of Louisiana, LLC

Utah

100.00%

        │ │ │ │ └─── NC Financial Solutions of Utah, LLC

Utah

100.00%

        │ │ │ ├─── HWC Receivables 2023, LLC

Delaware

100.00%

        │ │ │ ├─┬─ ODK Capital, LLC

Delaware

100.00%

        │ │ │ │ ├─── Ondeck Asset Securitization IV, LLC

Delaware

100.00%

        │ │ │ │ ├─── Ondeck Receivables 2021, LLC

Delaware

100.00%

        │ │ │ │ └─── Ondeck Receivables 2022, LLC

Delaware

100.00%

        │ │ │ │ └─── Receivable Assets of OnDeck, LLC

Delaware

100.00%

        │ │ │ └─── Tennessee CNU, LLC

Delaware

100.00%

        │ │ └─── The Business Backer, LLC

Delaware

100.00%

        │ ├─── EnovInd Investment, LLC

Delaware

100.00%

        │ ├─── LH1003 Servicos De Dados LTDA

Brazil

99.00%

        │ ├─── LH1010 Correspondente Bancário e Serviços Ltda.

Brazil

100.00%

        │ ├─── Long Oak Finance, LLC

Delaware

100.00%

        │ ├─┬─ NC Financial Solutions, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of Alabama, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of Arizona, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of California, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of Delaware, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of Georgia, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of Idaho, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of Illinois, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of Mississippi, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of Missouri, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of New Mexico, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of North Dakota, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of South Carolina, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of South Dakota, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of Texas, LLC

Delaware

100.00%

        │ │ ├─── NC Financial Solutions of Virginia, LLC

Utah

100.00%

        │ │ └─── NC Financial Solutions of Wisconsin, LLC

Delaware

100.00%

        │ ├─┬─ NetCredit Finance, LLC

Delaware

100.00%

        │ │ ├─┬─ NetCredit LOC Funding 2024, LLC

Delaware

100.00%

        │ │ │ └─── NetCredit LOC Receivables 2024, LLC

Delaware

100.00%

        │ │ └─── NetCredit LOC Receivables, LLC

Delaware

100.00%

        │ ├─┬─ NetCredit Funding A, LLC

Delaware

100.00%

        │ │ └─── NetCredit Combined Receivables A, LLC

Delaware

100.00%

        │ ├─┬─ NetCredit Funding 2023 A, LLC

Delaware

100.00%

        │ │ └─── NetCredit Combined Receivables 2023, LLC

Delaware

100.00%

        │ ├─┬─ NetCredit Funding 2024 A, LLC

Delaware

100.00%

        │ │ └─── NetCredit Combined Receivables 2024, LLC

Delaware

100.00%

        │ ├─┬─ NetCredit Funding, LLC

Delaware

100.00%

        │ │ └─── EFR 2018-1, LLC

Delaware

100.00%

        │ ├─── NetCredit Loan Services, LLC

Delaware

100.00%

        │ ├─┬─ NetCredit LOC Funding 2025, LLC

Delaware

100.00%

        │ │ └─── NetCredit LOC Receivables 2025, LLC

Delaware

100.00%

        │ ├─── NetCredit Receivables 2022, LLC

Delaware

100.00%

        │ ├─── Ohio Consumer Financial Solutions, LLC

Delaware

100.00%

        │ ├─┬─ Pangea Intermediate, LLC

Delaware

100.00%

        │ │ └─┬─ Pangea Transfer Company, LLC

Delaware

100.00%

        │ │ ├─── Pangea Latin America, S.A. de C.V.

Mexico

99.00%

        │ │ └─┬─ Pangea USA, LLC

Delaware

100.00%

        │ │ └─── Pangea Latin America, S.A. de C.V.

Mexico

1.00%

        │ └─── The Check Giant NM LLC

Delaware

100.00%

        └─── Enova Financial Holdings, LLC

Delaware

100.00%