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  <xs:element id="wrld_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceTargetVestingPercentage" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceTargetVestingPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="wrld_RestrictedStockAbstract" abstract="true" name="RestrictedStockAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="wrld_NumberOfLoanPortfoliosAcquired" abstract="false" name="NumberOfLoanPortfoliosAcquired" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="wrld_AssetAcquisitionReceivableWithImputedInterestDiscount" abstract="false" name="AssetAcquisitionReceivableWithImputedInterestDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wrld_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" abstract="false" name="FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wrld_PriorCreditAgreementMember" abstract="true" name="PriorCreditAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wrld_SeniorSecuredAssetBasedCreditFacilityMember" abstract="true" name="SeniorSecuredAssetBasedCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wrld_LetterOfCreditWorkersCompensationMember" abstract="true" name="LetterOfCreditWorkersCompensationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wrld_LettersOfCreditInvestmentInCaptiveInsuranceMember" abstract="true" name="LettersOfCreditInvestmentInCaptiveInsuranceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wrld_SeniorNotesDue2026Member" abstract="true" name="SeniorNotesDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wrld_DebtInstrumentCovenantComplianceScenarioAxis" abstract="true" name="DebtInstrumentCovenantComplianceScenarioAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="wrld_DebtInstrumentCovenantComplianceScenarioDomain" abstract="true" name="DebtInstrumentCovenantComplianceScenarioDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wrld_DebtInstrumentCovenantComplianceScenario1Member" abstract="true" name="DebtInstrumentCovenantComplianceScenario1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wrld_DebtInstrumentCovenantComplianceScenario2Member" abstract="true" name="DebtInstrumentCovenantComplianceScenario2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wrld_DebtInstrumentCovenantComplianceScenario3Member" abstract="true" name="DebtInstrumentCovenantComplianceScenario3Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wrld_LineOfCreditFacilityAccordionFeatureMaximumBorrowingCapacity" abstract="false" name="LineOfCreditFacilityAccordionFeatureMaximumBorrowingCapacity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wrld_DebtInstrumentEarlyRedemptionPremiumAmount" abstract="false" name="DebtInstrumentEarlyRedemptionPremiumAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wrld_DebtInstrumentCovenantComplianceMaximumRatioOfTotalDebt" abstract="false" name="DebtInstrumentCovenantComplianceMaximumRatioOfTotalDebt" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="wrld_DebtInstrumentCovenantComplianceMinimumNetWorth" abstract="false" name="DebtInstrumentCovenantComplianceMinimumNetWorth" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wrld_DebtInstrumentCovenantComplianceTotalDebtToConsolidatedAdjustedNetWorthPercentage" abstract="false" name="DebtInstrumentCovenantComplianceTotalDebtToConsolidatedAdjustedNetWorthPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="wrld_DebtInstrumentCovenantComplianceMaximumCollateralPerformanceIndicatorPercentage" abstract="false" name="DebtInstrumentCovenantComplianceMaximumCollateralPerformanceIndicatorPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="wrld_DebtInstrumentCovenantComplianceMinimumLiquidityRequirement" abstract="false" name="DebtInstrumentCovenantComplianceMinimumLiquidityRequirement" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wrld_DebtInstrumentCovenantComplianceMinimumCashAndCashEquivalents" abstract="false" name="DebtInstrumentCovenantComplianceMinimumCashAndCashEquivalents" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wrld_LongTermDebtMaturityAfterYearFour" abstract="false" name="LongTermDebtMaturityAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wrld_HistoricTaxCreditInvestmentMember" abstract="true" name="HistoricTaxCreditInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
