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  <xs:element id="opfi_FinanceReceivablesChargeOffs" abstract="false" name="FinanceReceivablesChargeOffs" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="opfi_NetChangeInFairValueOfFinanceReceivables" abstract="false" name="NetChangeInFairValueOfFinanceReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="opfi_OppFiMember" abstract="true" name="OppFiMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="opfi_RetainedOppFiUnitsMember" abstract="true" name="RetainedOppFiUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="opfi_IncomeTaxExpenseBenefitPortionAttributableToNoncontrollingInterest" abstract="false" name="IncomeTaxExpenseBenefitPortionAttributableToNoncontrollingInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="opfi_NoncontrollingInterestUnitsMember" abstract="true" name="NoncontrollingInterestUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="opfi_TermLoanAgreementMember" abstract="true" name="TermLoanAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="opfi_InterestRateComponentAxis" abstract="true" name="InterestRateComponentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="opfi_InterestRateComponentDomain" abstract="true" name="InterestRateComponentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="opfi_InterestRateComponentOneMember" abstract="true" name="InterestRateComponentOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="opfi_InterestRateComponentTwoMember" abstract="true" name="InterestRateComponentTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="opfi_DebtInstrumentOriginalIssuanceDiscountPercentage" abstract="false" name="DebtInstrumentOriginalIssuanceDiscountPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="opfi_DebtInstrumentExtensionTerm" abstract="false" name="DebtInstrumentExtensionTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="opfi_DebtInstrumentSemiAnnualAmortizationPaymentsPercentage" abstract="false" name="DebtInstrumentSemiAnnualAmortizationPaymentsPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="opfi_DebtInstrumentInitialDrawSixMonthsAfterClosePrincipalAmount" abstract="false" name="DebtInstrumentInitialDrawSixMonthsAfterClosePrincipalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="opfi_DebtInstrumentSubsequentDrawsPrincipalAmount" abstract="false" name="DebtInstrumentSubsequentDrawsPrincipalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="opfi_DavidA.VennettilliMember" abstract="true" name="DavidA.VennettilliMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
