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  <xs:element id="sofi_NoninterestIncomeLoanPlatformFeesOther" abstract="false" name="NoninterestIncomeLoanPlatformFeesOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_ContractWithCustomerLiabilityRevenueRecognizedIncludingOpeningBalance" abstract="false" name="ContractWithCustomerLiabilityRevenueRecognizedIncludingOpeningBalance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sofi_HomeLoanPortfolioSegmentMember" abstract="true" name="HomeLoanPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sofi_StudentLoanPortfolioSegmentMember" abstract="true" name="StudentLoanPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="sofi_CreditCardLoanPortfolioSegmentMember" abstract="true" name="CreditCardLoanPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sofi_CommercialAndConsumerBankingPortfolioSegmentMember" abstract="true" name="CommercialAndConsumerBankingPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="sofi_ResidentialRealEstateAndOtherConsumerMember" abstract="true" name="ResidentialRealEstateAndOtherConsumerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sofi_FinancingReceivableHeldForSaleAtLowerOfAmortizedCostOrFairValue" abstract="false" name="FinancingReceivableHeldForSaleAtLowerOfAmortizedCostOrFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sofi_TransferOfFinancialAssetsAccountedForAsSalesFairValueOfCashProceedsReceivedForAssetsDerecognizedAmount" abstract="false" name="TransferOfFinancialAssetsAccountedForAsSalesFairValueOfCashProceedsReceivedForAssetsDerecognizedAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sofi_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOther" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOther" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityOther" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityOther" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetLiabilityNetGainLossIncludedInEarnings" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetLiabilityNetGainLossIncludedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetElectiveRepurchases" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetElectiveRepurchases" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSecuritizationCleanUpCalls" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSecuritizationCleanUpCalls" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_MeasurementInputLoanFundingProbabilityMember" abstract="true" name="MeasurementInputLoanFundingProbabilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sofi_LoansReceivableMeasurementInput" abstract="false" name="LoansReceivableMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="sofi_ResidualInvestmentsMeasurementInput" abstract="false" name="ResidualInvestmentsMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="sofi_DebtInstrumentResidualInterestsMeasurementInput" abstract="false" name="DebtInstrumentResidualInterestsMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="sofi_InterestRateLockCommitmentsMeasurementInput" abstract="false" name="InterestRateLockCommitmentsMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="sofi_StudentLoanCommitmentsMeasurementInput" abstract="false" name="StudentLoanCommitmentsMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="sofi_PersonalLoanCommitmentsMeasurementInput" abstract="false" name="PersonalLoanCommitmentsMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="sofi_LoanOriginationCommitments" abstract="false" name="LoanOriginationCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueCostsToSellAbstract" abstract="true" name="SensitivityAnalysisOfFairValueCostsToSellAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf25BasisPointAdverseChangeInMarketServicingCosts" abstract="false" name="SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf25BasisPointAdverseChangeInMarketServicingCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf50BasisPointAdverseChangeInMarketServicingCosts" abstract="false" name="SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf50BasisPointAdverseChangeInMarketServicingCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValuePrepaymentSpeedAbstract" abstract="true" name="SensitivityAnalysisOfFairValuePrepaymentSpeedAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueDefaultRateAbstract" abstract="true" name="SensitivityAnalysisOfFairValueDefaultRateAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf10PercentAdverseChangeInDefaultRate" abstract="false" name="SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf10PercentAdverseChangeInDefaultRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInDefaultRate" abstract="false" name="SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInDefaultRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueDiscountRateAbstract" abstract="true" name="SensitivityAnalysisOfFairValueDiscountRateAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf100BasisPointsAdverseChangeInDiscountRate" abstract="false" name="SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf100BasisPointsAdverseChangeInDiscountRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf200BasisPointsAdverseChangeInDiscountRate" abstract="false" name="SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf200BasisPointsAdverseChangeInDiscountRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_RestrictedCashAndRestrictedCashEquivalentsFairValueDisclosure" abstract="false" name="RestrictedCashAndRestrictedCashEquivalentsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_LoansReceivableAtAmortizedCostAmount" abstract="false" name="LoansReceivableAtAmortizedCostAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfVestingTranches" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfVestingTranches" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="sofi_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedTotalGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedTotalGrantDateFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_FundedLoanMember" abstract="true" name="FundedLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sofi_NumberOfContingentRepurchaseObligations" abstract="false" name="NumberOfContingentRepurchaseObligations" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="sofi_ContingentRepurchaseObligationWithCounterpartyAmountAtRisk" abstract="false" name="ContingentRepurchaseObligationWithCounterpartyAmountAtRisk" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_MaximumRepurchaseObligation" abstract="false" name="MaximumRepurchaseObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_LetterOfCreditCollateralAmount" abstract="false" name="LetterOfCreditCollateralAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_BankingRegulationMortgageBankingNetWorthMinimumNoncomplianceFinesAndPenaltiesAccrued" abstract="false" name="BankingRegulationMortgageBankingNetWorthMinimumNoncomplianceFinesAndPenaltiesAccrued" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_UnderwrittenPublicOfferingOptionsMember" abstract="true" name="UnderwrittenPublicOfferingOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sofi_NumeratorAbstract" abstract="true" name="NumeratorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sofi_DenominatorAbstract" abstract="true" name="DenominatorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sofi_NumberOfDaysOptionToPurchaseAdditionalShares" abstract="false" name="NumberOfDaysOptionToPurchaseAdditionalShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="sofi_ContingentCommonStockAcquisitionsMember" abstract="true" name="ContingentCommonStockAcquisitionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sofi_LendingSegmentMember" abstract="true" name="LendingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sofi_ResidualInterestsLiabilitiesAtFairValueChangesInFairValueResultingFromChangesInValuationInputsOrChangesInAssumptions" abstract="false" name="ResidualInterestsLiabilitiesAtFairValueChangesInFairValueResultingFromChangesInValuationInputsOrChangesInAssumptions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_DirectlyAttributableExpensesAbstract" abstract="true" name="DirectlyAttributableExpensesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sofi_LeadGeneration" abstract="false" name="LeadGeneration" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_LoanOriginationAndServicingExpenses" abstract="false" name="LoanOriginationAndServicingExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_ProductFulfillmentExpense" abstract="false" name="ProductFulfillmentExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_ToolsAndSubscriptionsExpense" abstract="false" name="ToolsAndSubscriptionsExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_MemberIncentiveExpense" abstract="false" name="MemberIncentiveExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_IntercompanyTechnologyPlatformExpense" abstract="false" name="IntercompanyTechnologyPlatformExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_DirectlyAttributableExpenses" abstract="false" name="DirectlyAttributableExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_ContributionProfitLoss" abstract="false" name="ContributionProfitLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_IntercompanyExpenses" abstract="false" name="IntercompanyExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_CorporateAndReconcilingItemsMember" abstract="true" name="CorporateAndReconcilingItemsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
