World Acceptance Corporation

Item 1.01. Entry into a Material Definitive Agreement Accordion Increase to Revolving Credit Facility On June 29, 2026, World Acceptance Corporation (the “Company”) entered into an Accordion Increase (the “Accordion Increase”) under its Revolving Credit Agreement, dated as of July 22, 2025 (as amended, restated, supplemented or otherwise modified from time to time, the “Revolving Credit Agreement”), by and among the Company, the lenders from time to time party thereto, and Bank of Montreal, as Administrative Agent and Collateral Agent. Pursuant to Section 2.14 (Accordion Facility) of the Revolving Credit Agreement, the Company requested, and Investar Bank, National Association (the “Increasing Lender”) agreed to provide, an Accordion Increase in the amount of $15.0 million, to be effected through a new Commitment of $15.0 million from the Increasing Lender. After giving effect to the Accordion Increase, the Commitment of the Increasing Lender is $15.0 million, and the aggregate Commitments of all lenders under the Revolving Credit Agreement increased from $640.0 million to $655.0 million. The Accordion Increase constitutes additional Obligations that are secured and guaranteed on a pari passu basis with the other Obligations under the Revolving Credit Agreement and is subject to the same terms (including interest rate and maturity date) as the existing Loans under the Revolving Credit Agreement. In connection with the Accordion Increase, the Company agreed to pay the Increasing Lender an upfront fee equal to 0.15% of the Increasing Lender’s Commitment, payable on the effective date of the Accordion Increase. Effectiveness of the Accordion Increase was conditioned upon, among other things, payment of such upfront fee and satisfaction of the conditions set forth in Section 2.14 of the Revolving Credit Agreement. Each of the capitalized terms used and not defined herein has the meaning set forth in the Revolving Credit Agreement. In connection with the Accordion Increase, on June 29, 2026, the Company issued a Revolving Credit Note in favor of the Increasing Lender in the principal amount of $15.0 million (the “Note”), evidencing Loans made by the Increasing Lender to the Company under its Commitment pursuant to the Revolving Credit Agreement. The foregoing descriptions of the Accordion Increase and the Note are only summaries, do not purport to be complete, and are qualified in their entirety by reference to the full text of the Accordion Increase and the Note, which are filed as Exhibit 10.1 and Exhibit 10.2, respectively, to this Current Report on Form 8-K and incorporated herein by reference.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in Item 1.01 of this Current Report on Form 8-K is incorporated by reference into this Item 2.03.