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                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                       PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

      DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): SEPTEMBER 30, 2002

                                  EZCORP, INC.
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

                                    DELAWARE
                 (STATE OR OTHER JURISDICTION OF INCORPORATION)

        0-19424                                         74-2540145
(COMMISSION FILE NUMBER)                     (IRS EMPLOYER IDENTIFICATION NO.)

                              1901 CAPITAL PARKWAY
                               AUSTIN, TEXAS 78746
           (ADDRESS OF PRINCIPAL EXECUTIVE OFFICE, INCLUDING ZIP CODE)

                                 (512) 314-3400
              (REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE)

                                 NOT APPLICABLE
          (FORMER NAME OR FORMER ADDRESS, IF CHANGED SINCE LAST REPORT)

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ITEM 5. OTHER EVENTS.

     A.   EZCorp, Inc. (the "Company") issued a press release dated October 1,
          2002, relating to the extension of the maturity date of its credit
          facility, from October 1, 2002 to November 1, 2002. The release is
          filed as Exhibit 99.2 to this Current Report and is incorporated
          herein by reference.

     B.   As of September 30, 2002, EZCorp, Inc. entered into the Fourth
          Amendment to its Amended and Restated Credit Agreement dated as of
          December 15, 2000 as amended by (a) that certain First Amendment to
          Amended and Restated Credit Agreement dated as of May 1, 2001, (b)
          that certain Second Amendment to Amended and Restated Credit Agreement
          dated as of October 10, 2001, and (c) that certain Third Amendment to
          Amended and Restated Credit Agreement dated as of December 3, 2001 (as
          amended, the "Agreement") between the Company and Wells Fargo Bank, as
          Agent and Issuing Bank, as well as other Lenders. The Fourth Amendment
          relates to the extension of the maturity date of EZCORP's credit
          facility. The Amendment is filed as Exhibit 10.86 to this Current
          Report and is incorporated herein by reference.

ITEM 7. EXHIBITS.

         10.86    A copy of the Fourth Amendment to the Agreement, relating to
                  EZCORP's extension of the maturity date of its credit facility
                  is filed as Exhibit 10.86 to this Current Report and is
                  incorporated herein by reference.

         99.2     A copy of a press release dated October 1, 2002 by EZCorp,
                  Inc., relating to EZCorp's extension of the maturity date of
                  its credit facility from October 1, 2002 to November 1, 2002,
                  is filed as Exhibit 99.2 to this Current Report and is
                  incorporated herein by reference.

                                    SIGNATURE

         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.

                               EZCORP, INC.
                               (Registrant)

Date: October 1, 2002     By:  /s/ Daniel N. Tonissen
                               ----------------------------------------
                                              (Signature)

                                  Daniel N. Tonissen
                                  Senior Vice President, Chief Financial Officer
                                  and Director

                               INDEX TO EXHIBITS

       EXHIBIT
       NUMBER     DESCRIPTION
       -------    -----------
               
         10.86    A copy of the Fourth Amendment to the Agreement, relating to
                  EZCORP's extension of the maturity date of its credit facility
                  is filed as Exhibit 10.86 to this Current Report and is
                  incorporated herein by reference.

         99.2     A copy of a press release dated October 1, 2002 by EZCorp,
                  Inc., relating to EZCorp's extension of the maturity date of
                  its credit facility from October 1, 2002 to November 1, 2002,
                  is filed as Exhibit 99.2 to this Current Report and is
                  incorporated herein by reference.

                                                                   EXHIBIT 10.86

           Fourth Amendment to Amended and Restated Credit Agreement

            FOURTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT

         THIS FOURTH AMENDMENT TO AMENDED AND RESTATED CREDIT AGREEMENT (this
"Amendment"), dated as of September 30, 2002 is among EZCORP, INC., a Delaware
corporation ("Borrower"), each of the Lenders signatory hereto party to the
Agreement referred to below, and WELLS FARGO BANK TEXAS, NATIONAL ASSOCIATION, a
national banking association, as Agent for itself and the other Lenders (in such
capacity, together with its successors in such capacity the "Agent") and as the
Issuing Bank.

                                    RECITALS:

         Borrower, Agent, Lenders and Issuing Bank have previously entered into
that certain Amended and Restated Credit Agreement dated as of December 15, 2000
as amended by (a) that certain First Amendment to Amended and Restated Credit
Agreement dated as of May 1, 2001, (b) that certain Second Amendment to Amended
and Restated Credit Agreement dated as of October 10, 2001, and (c) that certain
Third Amendment to Amended and Restated Credit Agreement dated as of December 3,
2001 (as amended, the "Agreement").

         Borrower, Agent, Lenders and Issuing Bank now desire to amend the
Agreement to extend the existing Loans.

         NOW, THEREFORE, in consideration of the premises and mutual covenants
herein contained, the parties hereto agree as follows:

                                    ARTICLE I

                                   Definitions

         1.1 Definitions. All capitalized terms not otherwise defined herein,
shall have the same meanings as in the Agreement, as amended hereby.

                                   ARTICLE II

         2.1 Amendment to Definitions in Section 1.1. Effective as of the date
hereof, the following definition in Section 1.1 of the Agreement is amended and
restated or added to read in its entirety as follows:

                  "Termination Date" means, with respect to the Tranche A Loan
         and the Swing Loan, 8:00 a.m. San Francisco, California time on
         November 1, 2002, or such earlier date and time on which the Tranche A
         Commitment and the Swing Commitment terminate as provided in this
         Agreement.

                                   ARTICLE III

                              Conditions Precedent

         3.1 Condition. The effectiveness of this Amendment is subject to the
satisfaction of the following conditions precedent:

             (a) Agent shall have received all of the following, each dated
     (unless otherwise indicated) the date of this Amendment, in form and
     substance satisfactory to the Agent:

                  (i) This Amendment executed by the Borrower, the Agent, the
             Issuing Bank and the Lenders and consented by the Guarantors.

                  (ii) Resolutions of the Board of Directors of Borrower
             certified by its secretary or assistant secretary which authorizes
             the execution, delivery and performance by Borrower of this
             Amendment and the other Loan Documents executed in connection
             herewith.

                  (iii) A certificate of incumbency certified by the secretary
             or the assistant secretary of Borrower certifying the names of the
             officers thereof authorized to sign this Amendment and the other
             Loan Documents together with specimen signatures of such officers.

                  (iv) Resolutions of the Board of Directors of each of the
             Guarantors certified by its secretary or assistant secretary which
             authorize the execution, delivery and performance by each of the
             Guarantors of this Amendment and the other Loan Documents executed
             in connection herewith.

                  (v) A certificate of incumbency certified by the secretary or
             the assistant secretary of each Guarantor certifying the names of
             the officers thereof authorized to sign this Amendment and the
             other Loan Documents together with specimen signatures of such
             officers.

                  (vi) A bring down certificate of the Secretary or Assistant
             Secretary of the Borrower and each Guarantor certifying that the
             Certificate or Articles of Incorporation (or Partnership Agreement)
             and Bylaws have not been modified in any respect from the copies
             thereof previously provided to the Agent and the Lenders in
             connection with the Credit Agreement dated as of December 10, 1998
             among the Borrower, the Agent, the Issuing Bank and the Lenders.

             (b) No Default. No Default shall have occurred and be continuing.

             (c) Representations and Warranties. All of the representations and
     warranties contained in Article VII of the Agreement, as amended hereby and
     in the other Loan Documents shall be true and correct on and as of the date
     of this Amendment with the same force and effect as if such representations
     and warranties had been made on and as

                                      -2-

         of such date, except to the extent such representations and warranties
         speak to a specific date

                  (d) Amendment Fee. The Borrower shall have paid to the Agent
         for the account of the Lenders a nonrefundable amendment fee in the
         amount of $7,500 per Lender (the "Amendment Fee"), which Amendment Fee
         is due and payable as of the date hereof; provided that; in the event
         the Borrower and any Lender shall execute and deliver on or before
         November 1, 2002 any documentation related to a resyndication of the
         Obligations, such executing Lender shall credit its Amendment Fee to
         any amounts due to such executing Lender as an upfront fee or similar
         fee in connection with such resyndication.

                                   ARTICLE IV

                 Ratifications. Representations and Warranties

         4.1 Ratifications. The terms and provisions set forth in this Amendment
shall modify and supersede all inconsistent terms and provisions set forth in
the Agreement and except as expressly modified and superseded by this Amendment,
the terms and provisions of the Agreement and the other Loan Documents are
ratified and confirmed and shall continue in full force and effect. Borrower,
Lenders, Issuing Bank and Agent agree that the Agreement as amended hereby and
the other Loan Documents shall continue to be legal, valid, binding and
enforceable in accordance with their respective terms.

         4.2 Representations and Warranties. Borrower hereby represents and
warrants to the Lenders, Agent and Issuing Bank that (i) the execution, delivery
and performance of this Amendment and any and all other Loan Documents executed
and/or delivered in connection herewith have been authorized by all requisite
corporate action on the part of Borrower and will not violate the certificate of
incorporation or bylaws of Borrower, (ii) the representations and warranties
contained in the Agreement, as amended hereby, and any other Loan Document are
true and correct on and as of the date hereof as though made on and as of the
date hereof, except to the extent such representations and warranties speak to a
specific date, (iii) no Default has occurred and is continuing, and (iv)
Borrower is in full compliance with all covenants and agreements contained in
the Agreement as amended hereby.

                                    ARTICLE V

                                  Miscellaneous

         5.1 Survival of Representations and Warranties. All representations and
warranties made in this Amendment or any other Loan Document including any Loan
Document furnished in connection with this Amendment shall survive the execution
and delivery of this Amendment and the other Loan Documents, and no
investigation by the Lenders, Agent or Issuing Bank or any closing shall affect
the representations and warranties or the right of the Lenders, Agent or Issuing
Bank to rely upon them.

                                      -3-

         5.2 Reference to Agreement. Each of the Loan Documents, including the
Agreement and any and all other agreements, documents, or instruments now or
hereafter executed and delivered pursuant to the terms hereof or pursuant to the
terms of the Agreement as amended hereby, are hereby amended so that any
reference in such Loan Documents to the Agreement shall mean a reference to the
Agreement as amended hereby.

         5.3 Severability. Any provision of this Amendment held by a court of
competent jurisdiction to be invalid or unenforceable shall not impair or
invalidate the remainder of this Amendment and the effect thereof shall be
confined to the provision so held to be invalid or unenforceable.

         5.4 Applicable Law. This Amendment and all other Loan Documents
executed pursuant hereto shall be deemed to have been made and to be performable
in Travis County, Texas and shall be governed by and construed in accordance
with the laws of the State of Texas.

         5.5 Successors and Assigns. This Amendment is binding upon and shall
inure to the benefit of the Lenders, Agent, Issuing Bank and Borrower and their
respective successors and assigns, except Borrower may not assign or transfer
any of its rights or obligations hereunder without the prior written consent of
the Lenders.

         5.6 Counterparts. This Amendment may be executed in one or more
counterparts, each of which when so executed shall be deemed to be an original,
but all of which when taken together shall constitute one and the same
instrument. Signatures transmitted by facsimile or other electronic means shall
be effective as originals.

         5.7 WAIVER AND RELEASE. IN ORDER, TO INDUCE THE AGENT, THE LENDERS AND
THE ISSUING BANK TO AGREE TO THIS AMENDMENT, BORROWER AND EACH GUARANTOR
REPRESENT AND WARRANT THAT AS OF THE DATE HEREOF THERE ARE NO CLAIMS OR OFFSETS
AGAINST OR DEFENSES OR COUNTERCLAIMS TO THEIR OBLIGATIONS UNDER THE LOAN
DOCUMENTS AND IN ACCORDANCE THEREWITH EACH OF THEM:

                  (a) WAIVER. WAIVES ANY AND ALL SUCH CLAIMS, OFFSETS, DEFENSES
         OR COUNTERCLAIMS, WHETHER KNOWN OR UNKNOWN, ARISING PRIOR TO THE DATE
         HEREOF, AND

                  (b) RELEASE. RELEASES AND DISCHARGES THE AGENT, THE LENDERS
         AND THE ISSUING BANK, AND THEIR RESPECTIVE OFFICERS, DIRECTORS,
         EMPLOYEES, AGENTS, SHAREHOLDERS, AFFILIATES AND ATTORNEYS
         (COLLECTIVELY, THE "RELEASED PARTIES") FROM ANY AND ALL OBLIGATIONS,
         INDEBTEDNESS, LIABILITIES, CLAIMS, RIGHTS, CAUSES OF ACTION OR DEMANDS
         WHATSOEVER, WHETHER KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, IN LAW
         OR EQUITY, WHICH THE BORROWER OR ANY GUARANTOR EVER HAD, NOW HAS,
         CLAIMS TO HAVE OR MAY HAVE AGAINST ANY RELEASED PARTY ARISING PRIOR TO
         THE DATE HEREOF AND FROM OR IN CONNECTION WITH THE LOAN

                                      -4-

                  DOCUMENTS OR THE TRANSACTIONS CONTEMPLATED THEREBY AND HEREBY.

                  5.8 ENTIRE AGREEMENT. THIS AMENDMENT AND ALL OTHER
         INSTRUMENTS, DOCUMENTS AND AGREEMENTS EXECUTED AND DELIVERED IN
         CONNECTION WITH THIS AMENDMENT REPRESENT THE FINAL AGREEMENT AMONG THE
         PARTIES HERETO AND MAY NOT BE CONTRADICTED OR VARIED BY EVIDENCE OF
         PRIOR, CONTEMPORANEOUS OR SUBSEQUENT ORAL AGREEMENTS OR DISCUSSIONS OF
         THE PARTIES HERETO. THERE ARE NO UNWRITTEN ORAL AGREEMENTS AMONG THE
         PARTIES HERETO.

                  [Remainder of Page Intentionally Left Blank]

                                      -5-

Executed as of the date first written above.

                                               BORROWER:

                                               EZCORP, INC.

                                               By:  /s/ DANIEL N. TONISSEN
                                                  ------------------------------
                                                  Name:  Daniel N. Tonissen
                                                       -------------------------
                                                  Title:  Sr. Vice-President
                                                        ------------------------

 (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)

                                             AGENT, ISSUING BANK AND LENDER:

                                             WELLS FARGO BANK TEXAS, NATIONAL
                                             ASSOCIATION

                                             By: /s/ RICHARD GAN
                                                --------------------------------
                                                Richard Gan
                                                Vice President

 (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)

                                                OTHER LENDERS:

                                                BANK ONE, N.A.

                                                By:  /s/ CARL F. SHAFER
                                                   -----------------------------
                                                   Name:  Carl F. Shafer
                                                        ------------------------
                                                   Title:  First Vice President
                                                         -----------------------

 (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)

                                    GUARANTY BANK

                                    By:  /s/ CHRIS HARKRIDER
                                       -----------------------------
                                       Name: Chris Harkrider
                                            ------------------------
                                       Title: Senior Vice President
                                             -----------------------

 (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)

                                    COMERICA BANK-TEXAS

                                    By:  /s/ AAMIR SHAH
                                       -----------------------------
                                       Name: Aamir Shah
                                            ------------------------
                                       Title:  Vice President
                                             -----------------------

 (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)

                                        JPMORGAN CHASE BANK

                                        By: /s/ BRUCE A. SHILCUTT
                                           ------------------------------------
                                        Name: Bruce A. Shilcutt
                                              ---------------------------------
                                        Title: Vice President
                                               --------------------------------

  (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)

         Guarantors hereby consent and agree to this Amendment and agree that
each Guaranty shall remain in full force and effect and shall continue to (i)
guarantee the Guaranteed Indebtedness (as defined in such Guaranty), and (ii) be
the legal, valid and binding obligation of Guarantors and enforceable against
Guarantors and collateral in accordance with their respective terms. In
addition, Guarantors hereby agree that each Subsidiary Security Agreement, each
Subsidiary Pledge Agreement, each Contribution and Indemnification Agreement and
each Real Property Security Document shall remain in full force and effect and
shall continue to (i) secure the Obligations (as defined in the Loan Documents
other than the Real Property Security Documents) and Debt (as defined in the
Real Property Security Documents), and (ii) be the legal, valid and binding
obligation of Guarantors and enforceable against Guarantors and collateral in
accordance with their respective terms.

                                        OBLIGATED PARTIES:

                                        EZ CAR SALES, INC.
                                        EZCORP INTERNATIONAL, INC.
                                        EZMONEY HOLDINGS, INC.
                                          (formerly EZPAWN South Carolina, Inc.)
                                        EZMONEY MANAGEMENT, INC.
                                          (formerly EZPAWN Kansas, Inc.)
                                        EZMONEY NORTH CAROLINA, INC.
                                        EZPAWN ALABAMA, INC.
                                        EZPAWN ARKANSAS, INC.
                                        EZPAWN COLORADO, INC.
                                        EZPAWN CONSTRUCTION, INC.
                                        EZPAWN FLORIDA, INC.
                                        EZPAWN GEORGIA, INC.
                                        EZPAWN HOLDINGS, INC.
                                        EZPAWN INDIANA, INC.
                                        EZPAWN KENTUCKY, INC.
                                        EZPAWN LOUISIANA, INC.
                                        EZPAWN MISSOURI, INC.
                                        EZPAWN NEVADA, INC.
                                        EZPAWN NORTH CAROLINA, INC.
                                        EZPAWN OKLAHOMA, INC.
                                        EZPAWN TENNESSEE, INC.
                                        TEXAS EZPAWN MANAGEMENT, INC.

                                        By:  /s/  DANIEL N. TONISSEN
                                           -------------------------------------
                                           Name:  Daniel N. Tonissen
                                                --------------------------------
                                           Title: Sr. Vice-President
                                                 -------------------------------

  (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)

                                         TEXAS EZPAWN L.P.

                                         By:  TEXAS EZPAWN MANAGEMENT, INC.,
                                              its sole general partner

                                              By: /s/ DANIEL N. TONISSEN
                                                 ------------------------------
                                                 Name: Daniel N. Tonissen
                                                      -------------------------
                                                 Title: Sr. Vice-President
                                                       ------------------------

                                         TEXAS PRA MANAGEMENT, L.P.

                                         By:  EZMoney Management, Inc.,
                                              its sole general partner

                                              By: /s/ DANIEL N. TONISSEN
                                                 ------------------------------
                                                 Name: Daniel N. Tonissen
                                                      -------------------------
                                                 Title: Sr. Vice-President
                                                       ------------------------

 (Signature Page to Fourth Amendment to Amended and Restated Credit Agreement)

                                                                    EXHIBIT 99.2

                        Press Release of October 1, 2002

                  EZCORP ANNOUNCES EXTENSION OF CREDIT FACILITY

AUSTIN, TEXAS (OCTOBER 1, 2002) -- EZCORP, Inc. (Nasdaq/NM: EZPW) announced that
it has amended its credit facility to extend the maturity date of the facility
to November 1, 2002. Commenting on this announcement, Dan Tonissen, Senior Vice
President and Chief Financial Officer, stated, "In conjunction with extending
the maturity date of our existing credit facility, we have been working with
Wells Fargo Bank on a re-syndication. We currently have commitments for
approximately 80% of this new facility and anticipate closing on this new
facility in the next thirty days."

EZCORP offers consumers convenient, non-recourse loans collateralized by
tangible personal property, and short-term non-collateralized loans, often
referred to as payday loans. A secondary, but related, business activity is the
selling of previously owned merchandise consisting primarily of forfeited
collateral. The Company currently operates 280 stores in eleven states.

This announcement contains certain forward-looking statements regarding the
Company's expected performance for future periods including, but not limited to,
the success of re-syndicating the Company's credit facility. Actual results may
materially differ from these statements. Such forward-looking statements involve
risks and uncertainties such as changing market conditions in the overall
economy and the industry, consumer demand for the Company's services and
merchandise, changes in regulatory environment, and other factors which are
periodically discussed in the Company's annual, quarterly and other reports
filed with the Securities and Exchange Commission.

For additional information, contact Dan Tonissen at (512) 314-2289