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  <xsd:element id="atlc_FairValueOptionLoansAndFeesReceivableUnpaidPrincipalBalance" name="FairValueOptionLoansAndFeesReceivableUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
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  <xsd:element id="atlc_IncreaseDecreaseInFairValueOfLoansAndFeesReceivableRecordedAtFairValue" name="IncreaseDecreaseInFairValueOfLoansAndFeesReceivableRecordedAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
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  <xsd:element abstract="true" id="atlc_TermSecuredOvernightFinancingRateMember" name="TermSecuredOvernightFinancingRateMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_TheFourthAmended2014PlanMember" name="TheFourthAmended2014PlanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_TotalReceivablesMember" name="TotalReceivablesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_UnfundedIndividualCreditCommitmentMember" name="UnfundedIndividualCreditCommitmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_UnfundedOutstandingFloorplanFinancingCommitmentMember" name="UnfundedOutstandingFloorplanFinancingCommitmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlc_UnrealizedGainOnLoansAndFeesReceivableAndUnderlyingNotesPayableHeldAtFairValue" name="UnrealizedGainOnLoansAndFeesReceivableAndUnderlyingNotesPayableHeldAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="atlc_WeightedAverageNumberOfSharesUnvestedSharebasedPaymentAwardsBasic" name="WeightedAverageNumberOfSharesUnvestedSharebasedPaymentAwardsBasic" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlc_WeightedAverageRemainingAccretionPeriodOfDeferredRevenue" name="WeightedAverageRemainingAccretionPeriodOfDeferredRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-10-commitments-and-contingencies-schedule-of-concentrations-details" name="statement-statement-note-10-commitments-and-contingencies-schedule-of-concentrations-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-10-commitments-and-contingencies-tables" name="statement-statement-note-10-commitments-and-contingencies-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-11-net-income-attributable-to-controlling-interests-per-common-share-summary-of-earning-per-share-details" name="statement-statement-note-11-net-income-attributable-to-controlling-interests-per-common-share-summary-of-earning-per-share-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-11-net-income-attributable-to-controlling-interests-per-common-share-tables" name="statement-statement-note-11-net-income-attributable-to-controlling-interests-per-common-share-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-12-stockbased-compensation-summary-of-outstanding-options-details" name="statement-statement-note-12-stockbased-compensation-summary-of-outstanding-options-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-12-stockbased-compensation-summary-of-restricted-stock-and-restricted-stock-units-details" name="statement-statement-note-12-stockbased-compensation-summary-of-restricted-stock-and-restricted-stock-units-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-12-stockbased-compensation-tables" name="statement-statement-note-12-stockbased-compensation-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-2-significant-accounting-policies-and-condensed-consolidated-financial-statement-components-components-of-revenue-from-contracts-with-customer-details" name="statement-statement-note-2-significant-accounting-policies-and-condensed-consolidated-financial-statement-components-components-of-revenue-from-contracts-with-customer-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-2-significant-accounting-policies-and-condensed-consolidated-financial-statement-components-future-intangible-asset-amortization-expense-details" name="statement-statement-note-2-significant-accounting-policies-and-condensed-consolidated-financial-statement-components-future-intangible-asset-amortization-expense-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-2-significant-accounting-policies-and-condensed-consolidated-financial-statement-components-schedule-of-finitelived-intangible-assets-details" name="statement-statement-note-2-significant-accounting-policies-and-condensed-consolidated-financial-statement-components-schedule-of-finitelived-intangible-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-2-significant-accounting-policies-and-condensed-consolidated-financial-statement-components-summary-of-aging-of-delinquent-loans-and-fees-receivable-details" name="statement-statement-note-2-significant-accounting-policies-and-condensed-consolidated-financial-statement-components-summary-of-aging-of-delinquent-loans-and-fees-receivable-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-2-significant-accounting-policies-and-condensed-consolidated-financial-statement-components-summary-of-allowance-for-uncollectible-loans-and-fees-receivable-details" name="statement-statement-note-2-significant-accounting-policies-and-condensed-consolidated-financial-statement-components-summary-of-allowance-for-uncollectible-loans-and-fees-receivable-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-2-significant-accounting-policies-and-condensed-consolidated-financial-statement-components-tables" name="statement-statement-note-2-significant-accounting-policies-and-condensed-consolidated-financial-statement-components-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-3-segment-reporting-summary-of-operating-segment-information-details" name="statement-statement-note-3-segment-reporting-summary-of-operating-segment-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-3-segment-reporting-tables" name="statement-statement-note-3-segment-reporting-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-value-of-assets-and-liabilities-reconciliation-of-level-3-liabilities-details" name="statement-statement-note-6-fair-value-of-assets-and-liabilities-reconciliation-of-level-3-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-values-of-assets-and-liabilities-measurement-inputs-details" name="statement-statement-note-6-fair-values-of-assets-and-liabilities-measurement-inputs-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-values-of-assets-and-liabilities-reconciliation-of-level-3-assets-details" name="statement-statement-note-6-fair-values-of-assets-and-liabilities-reconciliation-of-level-3-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-values-of-assets-and-liabilities-reconciliation-of-level-3-assets-details-parentheticals" name="statement-statement-note-6-fair-values-of-assets-and-liabilities-reconciliation-of-level-3-assets-details-parentheticals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-values-of-assets-and-liabilities-summary-of-fair-value-hierarchy-for-assets-details" name="statement-statement-note-6-fair-values-of-assets-and-liabilities-summary-of-fair-value-hierarchy-for-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-values-of-assets-and-liabilities-summary-of-fair-value-hierarchy-for-liabilities-details" name="statement-statement-note-6-fair-values-of-assets-and-liabilities-summary-of-fair-value-hierarchy-for-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-values-of-assets-and-liabilities-summary-of-other-relevant-data-details" name="statement-statement-note-6-fair-values-of-assets-and-liabilities-summary-of-other-relevant-data-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-values-of-assets-and-liabilities-tables" name="statement-statement-note-6-fair-values-of-assets-and-liabilities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-7-variable-interest-entities-summary-of-variable-interest-entities-details" name="statement-statement-note-7-variable-interest-entities-summary-of-variable-interest-entities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-7-variable-interest-entities-tables" name="statement-statement-note-7-variable-interest-entities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-8-leases-lease-cost-details" name="statement-statement-note-8-leases-lease-cost-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-8-leases-maturities-of-lease-liabilities-details" name="statement-statement-note-8-leases-maturities-of-lease-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-8-leases-tables" name="statement-statement-note-8-leases-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-9-notes-payable-schedule-of-notes-payable-at-face-value-and-notes-payable-to-related-parties-details" name="statement-statement-note-9-notes-payable-schedule-of-notes-payable-at-face-value-and-notes-payable-to-related-parties-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-9-notes-payable-schedule-of-notes-payable-at-face-value-and-notes-payable-to-related-parties-details-parentheticals" name="statement-statement-note-9-notes-payable-schedule-of-notes-payable-at-face-value-and-notes-payable-to-related-parties-details-parentheticals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-9-notes-payable-tables" name="statement-statement-note-9-notes-payable-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
