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  <xs:element id="omf_LiabilityForFuturePolicyBenefitExpectedNetPremiumInterestAccretion" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedNetPremiumInterestAccretion" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="omf_LiabilityForFuturePolicyBenefitBeforeReinsuranceBeforeDeferredProfitLiability" abstract="false" name="LiabilityForFuturePolicyBenefitBeforeReinsuranceBeforeDeferredProfitLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="omf_LiabilityForFuturePolicyBenefitBeforeReinsuranceDeferredProfitLiability" abstract="false" name="LiabilityForFuturePolicyBenefitBeforeReinsuranceDeferredProfitLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="omf_LiabilityForClaimsAndClaimsAdjustmentExpenseOther" abstract="false" name="LiabilityForClaimsAndClaimsAdjustmentExpenseOther" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="omf_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsurance" abstract="false" name="LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="omf_NonparticipatingAndLimitedPaymentLifeInsuranceContractTermAndWholeLifeInsuranceMember" abstract="true" name="NonparticipatingAndLimitedPaymentLifeInsuranceContractTermAndWholeLifeInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="omf_NonparticipatingAndLimitedPaymentLifeInsuranceContractAccidentalDeathAndDisabilityProtectionMember" abstract="true" name="NonparticipatingAndLimitedPaymentLifeInsuranceContractAccidentalDeathAndDisabilityProtectionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="omf_MeasurementInputMortalityRateExpectedMember" abstract="true" name="MeasurementInputMortalityRateExpectedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="omf_MeasurementInputMortalityRateActualMember" abstract="true" name="MeasurementInputMortalityRateActualMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="omf_MeasurementInputLapsesExpectedMember" abstract="true" name="MeasurementInputLapsesExpectedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="omf_MeasurementInputLapsesActualMember" abstract="true" name="MeasurementInputLapsesActualMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="omf_OneMainHoldingsIncMember" abstract="true" name="OneMainHoldingsIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="omf_NumberOfClassesOfAuthorizedCapitalStock" abstract="false" name="NumberOfClassesOfAuthorizedCapitalStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="omf_ConsumerAndInsuranceSegmentMember" abstract="true" name="ConsumerAndInsuranceSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="omf_CashAndCashEquivalentsInMutualFundsFairValueDisclosure" abstract="false" name="CashAndCashEquivalentsInMutualFundsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="omf_CashAndCashEquivalentsInInvestmentSecuritiesFairValueDisclosure" abstract="false" name="CashAndCashEquivalentsInInvestmentSecuritiesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="omf_RestrictedCashInMutualFundsFairValueDisclosure" abstract="false" name="RestrictedCashInMutualFundsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
