WORLD ACCEPTANCE CORP

United States

Securities and Exchange Commission

Washington, D.C. 20549

Schedule 14A Information

Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

(Amendment No. )

Filed by the Registrantx

File by a party other than the Registranto

Check the appropriate box:

World Acceptance Corporation

(Name of Registrant as Specified In Its Charter)

(Name of Person(s) Filing Proxy Statement, if other than the Company)

Payment of Filing Fee (check the appropriate box):

July 23, 2025

To the Shareholders of World Acceptance Corporation:

You are cordially invited to attend our 2025 Annual Meeting of Shareholders (the "Annual Meeting"). The Annual Meeting will be held at 8:45 a.m., local time, on August 20, 2025 at 120 Halston Avenue, Greenville, SC 29615.

The formal notice of Annual Meeting and the Proxy Statement describing the matters that we expect to act upon at the Annual Meeting are enclosed.

Whether or not you attend the Annual Meeting, it is important that your shares be represented and voted at the Annual Meeting. After reading the Proxy Statement, please promptly vote and submit your proxy by signing and returning the enclosed proxy card in the enclosed postage-paid return envelope. Your vote is very important. Please vote your shares at your earliest convenience. This will ensure the presence of a quorum at the meeting, and promptly voting your shares by signing, dating and returning the enclosed proxy card or voting instruction form will save the expenses and extra work of solicitation. We have enclosed an envelope, postage prepaid if mailed in the United States, for your convenience. Submitting your proxy now will not prevent you from voting your shares at the meeting, as your proxy is revocable at your option. You may revoke your proxy at any time before it is voted by delivering to the Company a subsequently executed proxy or a written notice of revocation or by voting at the Annual Meeting.

The Board of Directors and Management look forward to seeing you at the Annual Meeting.

Sincerely yours,

R. Chad Prashad

President and Chief Executive Officer

104 S. Main Street, Suite 400

Greenville, South Carolina 29601

NOTICE OF ANNUAL MEETING OF SHAREHOLDERS

to be held on August 20, 2025

To our Shareholders:

This proxy statement and accompanying proxy card are being furnished to the shareholders of World Acceptance Corporation (referred to herein as the "Company" or "World Acceptance"), in connection with the solicitation of proxies by the Board of Directors of the Company (referred to herein as the "Board" or "Board of Directors") for use at the 2025 Annual Meeting, and at any adjournment or postponement thereof (referred to herein as the "Annual Meeting"), for the purposes set forth in this Notice of Annual Meeting of Shareholders.

Date, Time and Location: World Acceptance will hold its Annual Meeting at 8:45 a.m., local time, on August 20, 2025 at 120 Halston Avenue, Greenville, SC 29615. At the Annual Meeting, you will be asked to vote on the following matters, which are further described in the attached proxy statement:

1. To elect seven (7) directors to hold office until the next annual meeting of shareholders and until their successors have been duly elected and qualified, or until their earlier death, resignation or removal;

2. To approve, on an advisory (non-binding) basis, the compensation of our named executive officers, as described in this proxy statement;

3. To approve the World Acceptance Corporation 2025 Stock Incentive Plan;

4. To ratify the appointment of RSM US LLP as our independent registered public accounting firm for the fiscal year ending March 31, 2026; and

5. To transact such other business as may properly come before the Annual Meeting or any adjournments or postponements thereof.

Who Can Vote: Only shareholders of record at the close of business on July 9, 2025 (the “Record Date”) are entitled to notice of, and to vote at, the Annual Meeting and any adjournments or postponements thereof.

Proxy Voting: It is important that your shares are represented at the Annual Meeting. Even if you plan to attend the Annual Meeting, we encourage you to promptly vote and submit your proxy by signing, dating and returning the enclosed proxy card in the enclosed envelope. This will not limit your right to attend or vote at the Annual Meeting, as your proxy is revocable at your option. You may revoke your proxy at any time before it is voted by delivering to the Company a subsequently executed proxy or written notice of revocation, or by voting at the Annual Meeting.

Sincerely,

Luke J. Umstetter

Senior Vice President, General Counsel, Chief Compliance Officer, and Secretary