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  <xs:element id="ahfc_InvestmentInOperatingLeasesNetAbstract" abstract="true" name="InvestmentInOperatingLeasesNetAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ahfc_RelatedPartyUnearnedSubsidyIncome" abstract="false" name="RelatedPartyUnearnedSubsidyIncome" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_RelatedPartyAccruedBenefitExpense" abstract="false" name="RelatedPartyAccruedBenefitExpense" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_HMCMember" abstract="true" name="HMCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ahfc_AmericanHondaMotorCorporationIncMember" abstract="true" name="AmericanHondaMotorCorporationIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ahfc_HondaCanadaIncorporatedMember" abstract="true" name="HondaCanadaIncorporatedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ahfc_MinimumOwnershipInterestOfVotingStockRequiredBySupportAgreement" abstract="false" name="MinimumOwnershipInterestOfVotingStockRequiredBySupportAgreement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ahfc_CommitmentsAndContingenciesDisclosureTable" abstract="true" name="CommitmentsAndContingenciesDisclosureTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ahfc_ConstructionOfAutomobileDealershipsMember" abstract="true" name="ConstructionOfAutomobileDealershipsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ahfc_CommitmentsAndContingenciesDisclosureLineItems" abstract="true" name="CommitmentsAndContingenciesDisclosureLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ahfc_LoansAndLeasesReceivableCommitmentsUnusedPortionOfLinesOfCredit" abstract="false" name="LoansAndLeasesReceivableCommitmentsUnusedPortionOfLinesOfCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_LoansAndLeasesReceivableCommitmentsRemainingUnfundedAmountOfConstructionLoans" abstract="false" name="LoansAndLeasesReceivableCommitmentsRemainingUnfundedAmountOfConstructionLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_SecuredDebtGrossIssued" abstract="false" name="SecuredDebtGrossIssued" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_SecuredDebtGrossIssuedInitialReceivableBalance" abstract="false" name="SecuredDebtGrossIssuedInitialReceivableBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_CashToBeRemittedToTrust" abstract="false" name="CashToBeRemittedToTrust" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_SecuritizedAssets" abstract="false" name="SecuritizedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_FinancingReceivableAccruedInterestAndFeesAfterAllowanceForCreditLoss" abstract="false" name="FinancingReceivableAccruedInterestAndFeesAfterAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_OperatingLeaseAccruedLeasePaymentsAndFees" abstract="false" name="OperatingLeaseAccruedLeasePaymentsAndFees" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_VehiclesHeldForSale" abstract="false" name="VehiclesHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_OtherLiabilitiesTable" abstract="true" name="OtherLiabilitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ahfc_OtherLiabilitiesLineItems" abstract="true" name="OtherLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ahfc_DealerPayables" abstract="false" name="DealerPayables" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_LiabilityForUncertainTaxPositions" abstract="false" name="LiabilityForUncertainTaxPositions" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_DealerLoansNet" abstract="false" name="DealerLoansNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_DealerLoansNetFairValueDisclosure" abstract="false" name="DealerLoansNetFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_RetailLoansNet" abstract="false" name="RetailLoansNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_RetailLoansNetFairValueDisclosure" abstract="false" name="RetailLoansNetFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_CommercialPaperFairValueDisclosure" abstract="false" name="CommercialPaperFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_OtherLongTermDebtFairValueDisclosure" abstract="false" name="OtherLongTermDebtFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_SecuredDebtFairValueDisclosure" abstract="false" name="SecuredDebtFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_UnitedStatesSegmentMember" abstract="true" name="UnitedStatesSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ahfc_CanadaSegmentMember" abstract="true" name="CanadaSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ahfc_RealizedGainLossOnDerivativesAndForeignCurrencyDenominatedDebt" abstract="false" name="RealizedGainLossOnDerivativesAndForeignCurrencyDenominatedDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_NetFinancingRevenuesExcludingOtherRevenuesAdjusted" abstract="false" name="NetFinancingRevenuesExcludingOtherRevenuesAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_NetFinancingAndOtherRevenuesAdjusted" abstract="false" name="NetFinancingAndOtherRevenuesAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ahfc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesAndValuationAdjustmentNoncontrollingInterest" abstract="false" name="IncomeLossFromContinuingOperationsBeforeIncomeTaxesAndValuationAdjustmentNoncontrollingInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
