World Acceptance Corp. Signs Material Definitive Agreement

TL;DR

WRLD signed a big deal, details TBD.

AI Summary

World Acceptance Corp. entered into a material definitive agreement on September 29, 2025. The filing does not disclose specific details of the agreement, such as the counterparty or financial terms, but it is classified under Item Information: Entry into a Material Definitive Agreement.

Why It Matters

This filing indicates a significant new contract or partnership for World Acceptance Corp., which could impact its future operations and financial performance.

Risk Assessment

Risk Level: medium — The lack of specific details in the filing creates uncertainty about the nature and impact of the material definitive agreement.

Key Players & Entities

• WORLD ACCEPTANCE CORP (company) — Registrant
• September 29, 2025 (date) — Date of earliest event reported
• 000-19599 (other) — Commission File Number
• 104 S Main Street Greenville, South Carolina 29601 (location) — Address of principal executive offices
• WRLD (ticker) — Trading Symbol

FAQ

Key Financial Figures

• $175 million — edit Agreement provides for a revolving $175 million warehouse facility (the " Warehouse Fac

Filing Documents

• wrld-20250929.htm (8-K) — 59KB
• worldacceptance-warehousec.htm (EX-10.1) — 1606KB
• image_0.jpg (GRAPHIC) — 0KB
• 0000108385-25-000089.txt ( ) — 2047KB
• wrld-20250929.xsd (EX-101.SCH) — 2KB
• wrld-20250929_lab.xml (EX-101.LAB) — 21KB
• wrld-20250929_pre.xml (EX-101.PRE) — 12KB
• wrld-20250929_htm.xml (XML) — 3KB

01. Entry into a Material Definitive Agreement

Item 1.01. Entry into a Material Definitive Agreement. Warehouse Facility On September 29, 2025 (the " Closing Date "), World Acceptance Corporation (the " Company ") and its wholly-owned subsidiary, WFC Receivables I, LLC (the " Borrower "), entered into a Credit Agreement, dated as of September 29, 2025 (the " Credit Agreement "), by and among the Company, as servicer (the " Servicer "), the Borrower, the lenders and agents from time to time parties thereto, Atlas Securitized Products Administration, L.P. (" Atlas "), as administrative agent for the lenders (in such capacity, the " Administrative Agent "), Systems & Services Technologies, Inc., a Delaware corporation (" SST "), as backup servicer (the " Backup Servicer "), and Wilmington Trust, National Association, a national banking association (" WTNA "), as securities intermediary (in such capacity, the " Securities Intermediary "). The Credit Agreement provides for a revolving $175 million warehouse facility (the " Warehouse Facility ") and is secured by certain consumer loan receivables (the " Receivables ") that were directly originated by certain of the Company's subsidiaries (each an " Originator " and " Subservicer ," and collectively the " Originators " and " Subservicers "). The following table summarizes material terms of the Warehouse Facility (capitalized terms used but not otherwise defined herein shall have the meanings assigned to such terms in the Credit Agreement): Facility Size $175 million Total Advance Rate 75.00% or, upon occurrence, and during the continuation, of a Level I Trigger Event as described in the Credit Agreement, 70.00%. Interest Rate With respect to any loan and any day in an interest period, a rate per annum equal to (i) on such day (a) prior to the occurrence of a Benchmark Transition Event, the sum of the Benchmark and the Benchmark Replacement Adjustment, and (b) upon the occurrence of a Benchmark Transition Event, (1) prior to a Benchmark Transition Start

01. Financial Statements and Exhibits

Item 9.01. Financial Statements and Exhibits. Exhibit Number Exhibit Description 10.1 Credit Agreement, dated as of September 29, 2025, by and among the Company, as servicer, WFC Receivables I, LLC, as borrower, the lenders and agents from time to time parties thereto, Atlas Securitized Products Administration, L.P., as administrative agent for the lenders, Systems & Services Technologies, Inc., as backup servicer, and Wilmington Trust, National Association, a national banking association, as securities intermediary.* 10.4 Cover Page Interactive Data File (embedded within the Inline XBRL document). * This filing excludes certain exhibits pursuant to Item 601(a)(5) of Regulation S-K, which the registrant agrees to furnish supplementally to the SEC upon request by the SEC. 4

SIGNATURES

SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. WORLD ACCEPTANCE CORPORATION By: /s/ John L. Calmes, Jr. John L. Calmes, Jr. Executive Vice President and Chief Financial and Strategy Officer Date: October 3, 2025 5

View Full Filing

View this 8-K filing on SEC EDGAR