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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K ( Mark One ) X ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from Delaware State or Other Jurisdiction of Incorporation or Organization to 4150 International Plaza , Suite 300 Fort Worth , Texas 76109 Address of Principal Executive Offices Commission file number 001-37680 E / evate ELEVATE CREDIT , INC . ( Exact name of registrant as specified in its charter ) or Title of each class Common Shares , $ 0.0004 par value Securities registered pursuant to Section 12 ( b ) of the Act : Trading Symbol ( s ) ELVT Securities registered pursuant to Section 12 ( g ) of the Act : None ( 817 ) 928-1500 Registrant's Telephone Number , Including Area Code Yes X Yes X Indicate by check mark if the Registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes No Indicate by check mark if the Registrant is not required to file reports pursuant to Section 13 or 15 ( d ) of the Act . Yes No Indicate by check mark whether the Registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the Registrant was required to file such reports ) and ( 2 ) has been subject to such filing requirements for the past 90 days . 46-4714474 I.R.S. Employer Identification Number Name of each exchange on which registered New York Stock Exchange 1 76109 Zip Code No Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( § 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the Registrant was required to submit such files ) . No