<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019c7122-7aed-7df9-9c92-7d9f444362a0,g:25a8f7fc-79b1-4ec4-8920-daa751d90b06-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:cfsc="http://finance.cat.com/20260331" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://finance.cat.com/20260331">
  <xs:import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfsc-20260331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfsc-20260331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfsc-20260331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfsc-20260331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="CoverPage" roleURI="http://finance.cat.com/role/CoverPage">
        <link:definition>0000001 - Document - Cover Page</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofProfit" roleURI="http://finance.cat.com/role/ConsolidatedStatementsofProfit">
        <link:definition>9952151 - Statement - Consolidated Statements of Profit</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofComprehensiveIncome" roleURI="http://finance.cat.com/role/ConsolidatedStatementsofComprehensiveIncome">
        <link:definition>9952152 - Statement - Consolidated Statements of Comprehensive Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofFinancialPosition" roleURI="http://finance.cat.com/role/ConsolidatedStatementsofFinancialPosition">
        <link:definition>9952153 - Statement - Consolidated Statements of Financial Position</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofFinancialPositionParentheticals" roleURI="http://finance.cat.com/role/ConsolidatedStatementsofFinancialPositionParentheticals">
        <link:definition>9952154 - Statement - Consolidated Statements of Financial Position (Parentheticals)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofChangesinShareholdersEquity" roleURI="http://finance.cat.com/role/ConsolidatedStatementsofChangesinShareholdersEquity">
        <link:definition>9952155 - Statement - Consolidated Statements of Changes in Shareholder's Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofCashFlows" roleURI="http://finance.cat.com/role/ConsolidatedStatementsofCashFlows">
        <link:definition>9952156 - Statement - Consolidated Statements of Cash Flows</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofCashFlowsParentheticals" roleURI="http://finance.cat.com/role/ConsolidatedStatementsofCashFlowsParentheticals">
        <link:definition>9952157 - Statement - Consolidated Statements of Cash Flows (Parentheticals)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BasisofPresentation" roleURI="http://finance.cat.com/role/BasisofPresentation">
        <link:definition>9952158 - Disclosure - Basis of Presentation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NewAccountingPronouncements" roleURI="http://finance.cat.com/role/NewAccountingPronouncements">
        <link:definition>9952159 - Disclosure - New Accounting Pronouncements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinanceReceivables" roleURI="http://finance.cat.com/role/FinanceReceivables">
        <link:definition>9952160 - Disclosure - Finance Receivables</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsandRiskManagement" roleURI="http://finance.cat.com/role/DerivativeFinancialInstrumentsandRiskManagement">
        <link:definition>9952161 - Disclosure - Derivative Financial Instruments and Risk Management</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AccumulatedOtherComprehensiveIncomeLoss" roleURI="http://finance.cat.com/role/AccumulatedOtherComprehensiveIncomeLoss">
        <link:definition>9952162 - Disclosure - Accumulated Other Comprehensive Income (Loss)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentInformation" roleURI="http://finance.cat.com/role/SegmentInformation">
        <link:definition>9952163 - Disclosure - Segment Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingentLiabilities" roleURI="http://finance.cat.com/role/CommitmentsandContingentLiabilities">
        <link:definition>9952164 - Disclosure - Commitments and Contingent Liabilities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueDisclosures" roleURI="http://finance.cat.com/role/FairValueDisclosures">
        <link:definition>9952165 - Disclosure - Fair Value Disclosures</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BasisofPresentationPolicies" roleURI="http://finance.cat.com/role/BasisofPresentationPolicies">
        <link:definition>9955511 - Disclosure - Basis of Presentation (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinanceReceivablesTables" roleURI="http://finance.cat.com/role/FinanceReceivablesTables">
        <link:definition>9955512 - Disclosure - Finance Receivables (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsandRiskManagementTables" roleURI="http://finance.cat.com/role/DerivativeFinancialInstrumentsandRiskManagementTables">
        <link:definition>9955513 - Disclosure - Derivative Financial Instruments and Risk Management (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AccumulatedOtherComprehensiveIncomeLossTables" roleURI="http://finance.cat.com/role/AccumulatedOtherComprehensiveIncomeLossTables">
        <link:definition>9955514 - Disclosure - Accumulated Other Comprehensive Income (Loss) (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentInformationTables" roleURI="http://finance.cat.com/role/SegmentInformationTables">
        <link:definition>9955515 - Disclosure - Segment Information (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueDisclosuresTables" roleURI="http://finance.cat.com/role/FairValueDisclosuresTables">
        <link:definition>9955516 - Disclosure - Fair Value Disclosures (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinanceReceivablesSummaryofFinanceReceivablesIncludedintheConsolidatedStatementsofFinancialPositionDetails" roleURI="http://finance.cat.com/role/FinanceReceivablesSummaryofFinanceReceivablesIncludedintheConsolidatedStatementsofFinancialPositionDetails">
        <link:definition>9955517 - Disclosure - Finance Receivables - Summary of Finance Receivables Included in the Consolidated Statements of Financial Position (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinanceReceivablesNarrativeDetails" roleURI="http://finance.cat.com/role/FinanceReceivablesNarrativeDetails">
        <link:definition>9955518 - Disclosure - Finance Receivables - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinanceReceivablesAllowanceforCreditLossesandTotalFinanceReceivablesDetails" roleURI="http://finance.cat.com/role/FinanceReceivablesAllowanceforCreditLossesandTotalFinanceReceivablesDetails">
        <link:definition>9955519 - Disclosure - Finance Receivables - Allowance for Credit Losses and Total Finance Receivables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinanceReceivablesWriteoffsbyOriginationYearDetails" roleURI="http://finance.cat.com/role/FinanceReceivablesWriteoffsbyOriginationYearDetails">
        <link:definition>9955520 - Disclosure - Finance Receivables - Write-offs by Origination Year (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinanceReceivablesAmortizedCostofFinanceReceivablesintheCustomerPortfolioSegmentbyOriginationYearDetails" roleURI="http://finance.cat.com/role/FinanceReceivablesAmortizedCostofFinanceReceivablesintheCustomerPortfolioSegmentbyOriginationYearDetails">
        <link:definition>9955521 - Disclosure - Finance Receivables - Amortized Cost of Finance Receivables in the Customer Portfolio Segment by Origination Year (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinanceReceivablesAgingRelatedtoFinanceReceivablesDetails" roleURI="http://finance.cat.com/role/FinanceReceivablesAgingRelatedtoFinanceReceivablesDetails">
        <link:definition>9955522 - Disclosure - Finance Receivables - Aging Related to Finance Receivables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinanceReceivablesFinanceReceivablesonNonAccrualStatusDetails" roleURI="http://finance.cat.com/role/FinanceReceivablesFinanceReceivablesonNonAccrualStatusDetails">
        <link:definition>9955523 - Disclosure - Finance Receivables - Finance Receivables on Non-Accrual Status (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FinanceReceivablesFinancialEffectsofTermExtensionsandPaymentDelaysDetails" roleURI="http://finance.cat.com/role/FinanceReceivablesFinancialEffectsofTermExtensionsandPaymentDelaysDetails">
        <link:definition>9955524 - Disclosure - Finance Receivables - Financial Effects of Term Extensions and Payment Delays (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsandRiskManagementLocationandFairValueofDerivativeInstrumentsReportedintheConsolidatedStatementsofFinancialPositionDetails" roleURI="http://finance.cat.com/role/DerivativeFinancialInstrumentsandRiskManagementLocationandFairValueofDerivativeInstrumentsReportedintheConsolidatedStatementsofFinancialPositionDetails">
        <link:definition>9955525 - Disclosure - Derivative Financial Instruments and Risk Management - Location and Fair Value of Derivative Instruments Reported in the Consolidated Statements of Financial Position (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsandRiskManagementNarrativeDetails" roleURI="http://finance.cat.com/role/DerivativeFinancialInstrumentsandRiskManagementNarrativeDetails">
        <link:definition>9955526 - Disclosure - Derivative Financial Instruments and Risk Management - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsandRiskManagementScheduleofGainsLossesonDerivativesInstrumentsDetails" roleURI="http://finance.cat.com/role/DerivativeFinancialInstrumentsandRiskManagementScheduleofGainsLossesonDerivativesInstrumentsDetails">
        <link:definition>9955527 - Disclosure - Derivative Financial Instruments and Risk Management - Schedule of Gains (Losses) on Derivatives Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsandRiskManagementScheduleofAmountsRecordedintheConsolidatedStatementsofFinancialPositionRelatedtoCumulativeBasisAdjustmentsforFairValueHedgesDetails" roleURI="http://finance.cat.com/role/DerivativeFinancialInstrumentsandRiskManagementScheduleofAmountsRecordedintheConsolidatedStatementsofFinancialPositionRelatedtoCumulativeBasisAdjustmentsforFairValueHedgesDetails">
        <link:definition>9955528 - Disclosure - Derivative Financial Instruments and Risk Management - Schedule of Amounts Recorded in the Consolidated Statements of Financial Position Related to Cumulative Basis Adjustments for Fair Value Hedges (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeFinancialInstrumentsandRiskManagementScheduleofEffectofNetSettlementProvisionsoftheMasterNettingAgreementsonourDerivativeBalancesDetails" roleURI="http://finance.cat.com/role/DerivativeFinancialInstrumentsandRiskManagementScheduleofEffectofNetSettlementProvisionsoftheMasterNettingAgreementsonourDerivativeBalancesDetails">
        <link:definition>9955529 - Disclosure - Derivative Financial Instruments and Risk Management - Schedule of Effect of Net Settlement Provisions of the Master Netting Agreements on our Derivative Balances (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AccumulatedOtherComprehensiveIncomeLossDetails" roleURI="http://finance.cat.com/role/AccumulatedOtherComprehensiveIncomeLossDetails">
        <link:definition>9955530 - Disclosure - Accumulated Other Comprehensive Income (Loss) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentInformationDetails" roleURI="http://finance.cat.com/role/SegmentInformationDetails">
        <link:definition>9955531 - Disclosure - Segment Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentsandContingentLiabilitiesDetails" roleURI="http://finance.cat.com/role/CommitmentsandContingentLiabilitiesDetails">
        <link:definition>9955532 - Disclosure - Commitments and Contingent Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueDisclosuresNarrativeDetails" roleURI="http://finance.cat.com/role/FairValueDisclosuresNarrativeDetails">
        <link:definition>9955533 - Disclosure - Fair Value Disclosures - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueDisclosuresSummaryofFairValueofFinancialInstrumentsDetails" roleURI="http://finance.cat.com/role/FairValueDisclosuresSummaryofFairValueofFinancialInstrumentsDetails">
        <link:definition>9955534 - Disclosure - Fair Value Disclosures - Summary of Fair Value of Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="cfsc_RetailFinanceRevenue" abstract="false" name="RetailFinanceRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfsc_WholesaleFinanceRevenue" abstract="false" name="WholesaleFinanceRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfsc_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAndDerivativeExcludedComponentIncreaseDecreaseAfterReclassificationAndTax" abstract="false" name="OtherComprehensiveIncomeLossCashFlowHedgeGainLossAndDerivativeExcludedComponentIncreaseDecreaseAfterReclassificationAndTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfsc_Payabletorelatedpartyborrowingsandother" abstract="false" name="Payabletorelatedpartyborrowingsandother" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfsc_AccretionOfCaterpillarPurchasedReceivableRevenue" abstract="false" name="AccretionOfCaterpillarPurchasedReceivableRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfsc_NetChangesInCaterpillarPurchasedReceivables" abstract="false" name="NetChangesInCaterpillarPurchasedReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfsc_WriteOffsByOriginationYearTableTextBlock" abstract="false" name="WriteOffsByOriginationYearTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cfsc_OffsettingassetsandliabilitiesTableTextBlock" abstract="false" name="OffsettingassetsandliabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cfsc_RetailloansMember" abstract="true" name="RetailloansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_RetailleasesMember" abstract="true" name="RetailleasesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_CaterpillarPurchasedReceivablesMember" abstract="true" name="CaterpillarPurchasedReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_WholesaleloansMember" abstract="true" name="WholesaleloansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_DealerMember" abstract="true" name="DealerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_CustomerMember" abstract="true" name="CustomerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_FinancingReceivableWeightedAverageTerm" abstract="false" name="FinancingReceivableWeightedAverageTerm" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cfsc_FinancingReceivableWeightedAverageRemainingTerm" abstract="false" name="FinancingReceivableWeightedAverageRemainingTerm" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cfsc_FinancingReceivableModifiedBorrowersExperiencingFinancialDifficultyMaximumPeriod" abstract="false" name="FinancingReceivableModifiedBorrowersExperiencingFinancialDifficultyMaximumPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cfsc_FinancingReceivableAllowanceForCreditLossesOther" abstract="false" name="FinancingReceivableAllowanceForCreditLossesOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfsc_WriteOffsByOriginationYearTable" abstract="true" name="WriteOffsByOriginationYearTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cfsc_MiningMember" abstract="true" name="MiningMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_CaterpillarPowerFinanceMember" abstract="true" name="CaterpillarPowerFinanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_WriteOffsByOriginationYearLineItems" abstract="true" name="WriteOffsByOriginationYearLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cfsc_CurrentMember" abstract="true" name="CurrentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_FinancialAsset31To60DaysPastDueMember" abstract="true" name="FinancialAsset31To60DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_FinancialAsset61To90DaysPastDueMember" abstract="true" name="FinancialAsset61To90DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_FinancialAssetEqualToGreaterThan91DaysPastDueMember" abstract="true" name="FinancialAssetEqualToGreaterThan91DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_FinancingReceivable91DaysPastDueandStillAccruing" abstract="false" name="FinancingReceivable91DaysPastDueandStillAccruing" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfsc_FinancingReceivableModifiedWeightedAveragePaymentDelay" abstract="false" name="FinancingReceivableModifiedWeightedAveragePaymentDelay" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cfsc_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAndDerivativeExcludedComponentIncreaseDecreaseBeforeReclassificationAndTax" abstract="false" name="OtherComprehensiveIncomeLossCashFlowHedgeGainLossAndDerivativeExcludedComponentIncreaseDecreaseBeforeReclassificationAndTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfsc_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAndDerivativeExcludedComponentIncreaseDecreaseReclassificationBeforeTax" abstract="false" name="OtherComprehensiveIncomeLossCashFlowHedgeGainLossAndDerivativeExcludedComponentIncreaseDecreaseReclassificationBeforeTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfsc_LongTermDebtDueWithinOneYearMember" abstract="true" name="LongTermDebtDueWithinOneYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_LongTermDebtDueAfterOneYearMember" abstract="true" name="LongTermDebtDueAfterOneYearMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_AccumulatedGainLossNetCashFlowHedgeAndDerivativeExcludedComponentParentMember" abstract="true" name="AccumulatedGainLossNetCashFlowHedgeAndDerivativeExcludedComponentParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_NorthAmericaOperatingSegmentMember" abstract="true" name="NorthAmericaOperatingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_EAMEOperatingSegmentMember" abstract="true" name="EAMEOperatingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_AsiaPacificOperatingSegmentMember" abstract="true" name="AsiaPacificOperatingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_LatinAmericaOperatingSegmentMember" abstract="true" name="LatinAmericaOperatingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_MiningReportableSegmentMember" abstract="true" name="MiningReportableSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_CPFMember" abstract="true" name="CPFMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_TimingMember" abstract="true" name="TimingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_MethodologyMember" abstract="true" name="MethodologyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cfsc_NumberOfReportableSegmentsNotDisclosedFlag" abstract="false" name="NumberOfReportableSegmentsNotDisclosedFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cfsc_GeneralOperatingAndAdministrativeExpense" abstract="false" name="GeneralOperatingAndAdministrativeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfsc_LoansCarriedAtFairValue" abstract="false" name="LoansCarriedAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfsc_FinanceReceivablesNet" abstract="false" name="FinanceReceivablesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cfsc_FinanceleasesandfailedsaleleasebacksCarryingValue" abstract="false" name="FinanceleasesandfailedsaleleasebacksCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
