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  <xs:element id="afrm_CommercialAgreementAssetShopifyIncWarrantsMember" abstract="true" name="CommercialAgreementAssetShopifyIncWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableAcquiredInBusinessCombinationFairValueAdjustment" abstract="false" name="FinancingReceivableAcquiredInBusinessCombinationFairValueAdjustment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueSecuritizationNotesAndResidualTrustCertificatesLiabilityEffectOfFiftyPercentagePointIncreaseDecreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueSecuritizationNotesAndResidualTrustCertificatesLiabilityEffectOfFiftyPercentagePointIncreaseDecreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_CommercialPaperRateMember" abstract="true" name="CommercialPaperRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" abstract="false" name="FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableLoanTerm" abstract="false" name="FinancingReceivableLoanTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_FinancingReceivableCreditLossExpenseReversalExcludingCertainProvisions" abstract="false" name="FinancingReceivableCreditLossExpenseReversalExcludingCertainProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueServicingAssetEffectOfFiftyPercentagePointIncreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueServicingAssetEffectOfFiftyPercentagePointIncreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ResidualTrustCertificatesAssetFairValueDisclosure" abstract="false" name="ResidualTrustCertificatesAssetFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
