<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2021 Workiva-->
<!--r:8376ff1c-2078-4bea-b052-61a801649625,g:16e0c0c6-7fff-410a-85cc-fb6fc74e1046-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:afrm="http://www.affirm.com/20210331" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.affirm.com/20210331">
  <xs:import namespace="http://fasb.org/srt/2020-01-31" schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2020-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd"/>
  <xs:import namespace="http://www.w3.org/1999/xlink" schemaLocation="http://www.xbrl.org/2003/xlink-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/country/2020-01-31" schemaLocation="https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2020-01-31" schemaLocation="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/stpr/2018-01-31" schemaLocation="https://xbrl.sec.gov/stpr/2018/stpr-2018-01-31.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="afrm-20210331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="afrm-20210331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="afrm-20210331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="afrm-20210331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="CoverPage" roleURI="http://www.affirm.com/role/CoverPage">
        <link:definition>0001001 - Document - Cover Page</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDBALANCESHEETS" roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETS">
        <link:definition>1001002 - Statement - CONDENSED CONSOLIDATED BALANCE SHEETS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDBALANCESHEETSParenthetical" roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSParenthetical">
        <link:definition>1002003 - Statement - CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVELOSS" roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVELOSS">
        <link:definition>1003004 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTOFREDEEMABLECONVERTIBLEPREFERREDSTOCKANDSTOCKHOLDERSDEFICIT" roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDSTATEMENTOFREDEEMABLECONVERTIBLEPREFERREDSTOCKANDSTOCKHOLDERSDEFICIT">
        <link:definition>1004005 - Statement - CONDENSED CONSOLIDATED STATEMENT OF REDEEMABLE CONVERTIBLE PREFERRED STOCK AND STOCKHOLDERS&#8217; DEFICIT</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTOFREDEEMABLECONVERTIBLEPREFERREDSTOCKANDSTOCKHOLDERSDEFICITParenthetical" roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDSTATEMENTOFREDEEMABLECONVERTIBLEPREFERREDSTOCKANDSTOCKHOLDERSDEFICITParenthetical">
        <link:definition>1005006 - Statement - CONDENSED CONSOLIDATED STATEMENT OF REDEEMABLE CONVERTIBLE PREFERRED STOCK AND STOCKHOLDERS&#8217; DEFICIT (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS">
        <link:definition>1006007 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessDescription" roleURI="http://www.affirm.com/role/BusinessDescription">
        <link:definition>2101101 - Disclosure - Business Description</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessDescriptionDetails" roleURI="http://www.affirm.com/role/BusinessDescriptionDetails">
        <link:definition>2402401 - Disclosure - Business Description (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPolicies" roleURI="http://www.affirm.com/role/SummaryofSignificantAccountingPolicies">
        <link:definition>2103102 - Disclosure - Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesPolicies" roleURI="http://www.affirm.com/role/SummaryofSignificantAccountingPoliciesPolicies">
        <link:definition>2204201 - Disclosure - Summary of Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesDetails" roleURI="http://www.affirm.com/role/SummaryofSignificantAccountingPoliciesDetails">
        <link:definition>2405402 - Disclosure - Summary of Significant Accounting Policies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InterestIncome" roleURI="http://www.affirm.com/role/InterestIncome">
        <link:definition>2106103 - Disclosure - Interest Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InterestIncomeTables" roleURI="http://www.affirm.com/role/InterestIncomeTables">
        <link:definition>2307301 - Disclosure - Interest Income (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InterestIncomeDetails" roleURI="http://www.affirm.com/role/InterestIncomeDetails">
        <link:definition>2408403 - Disclosure - Interest Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentandAllowanceforCreditLosses" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLosses">
        <link:definition>2109104 - Disclosure - Loans Held for Investment and Allowance for Credit Losses</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentandAllowanceforCreditLossesTables" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesTables">
        <link:definition>2310302 - Disclosure - Loans Held for Investment and Allowance for Credit Losses (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentandAllowanceforCreditLossesLoansHeldforInvestmentDetails" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesLoansHeldforInvestmentDetails">
        <link:definition>2411404 - Disclosure - Loans Held for Investment and Allowance for Credit Losses - Loans Held for Investment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentandAllowanceforCreditLossesAdditionalInformationDetails" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesAdditionalInformationDetails">
        <link:definition>2412405 - Disclosure - Loans Held for Investment and Allowance for Credit Losses - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentandAllowanceforCreditLossesCreditQualitybyITACsScoreDetails" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesCreditQualitybyITACsScoreDetails">
        <link:definition>2413406 - Disclosure - Loans Held for Investment and Allowance for Credit Losses - Credit Quality by ITACs Score (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentandAllowanceforCreditLossesCreditQualitybyITACsScoreDetails_1" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesCreditQualitybyITACsScoreDetails_1">
        <link:definition>2413406 - Disclosure - Loans Held for Investment and Allowance for Credit Losses - Credit Quality by ITACs Score (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentandAllowanceforCreditLossesUnpaidPrincipalBalanceforLoansHeldforInvestmentDetails" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesUnpaidPrincipalBalanceforLoansHeldforInvestmentDetails">
        <link:definition>2414407 - Disclosure - Loans Held for Investment and Allowance for Credit Losses - Unpaid Principal Balance for Loans Held for Investment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansHeldforInvestmentandAllowanceforCreditLossesAllowanceforCreditLossDetails" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesAllowanceforCreditLossDetails">
        <link:definition>2415408 - Disclosure - Loans Held for Investment and Allowance for Credit Losses - Allowance for Credit Loss (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombination" roleURI="http://www.affirm.com/role/BusinessCombination">
        <link:definition>2116105 - Disclosure - Business Combination</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationTables" roleURI="http://www.affirm.com/role/BusinessCombinationTables">
        <link:definition>2317303 - Disclosure - Business Combination (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationAdditionalInformationDetails" roleURI="http://www.affirm.com/role/BusinessCombinationAdditionalInformationDetails">
        <link:definition>2418409 - Disclosure - Business Combination - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationFairValueofConsiderationTransferredDetails" roleURI="http://www.affirm.com/role/BusinessCombinationFairValueofConsiderationTransferredDetails">
        <link:definition>2419410 - Disclosure - Business Combination - Fair Value of Consideration Transferred (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationAllocationofConsiderationPaidtoFairValuesofAssetsAcquiredandLiabilitiesAssumedDetails" roleURI="http://www.affirm.com/role/BusinessCombinationAllocationofConsiderationPaidtoFairValuesofAssetsAcquiredandLiabilitiesAssumedDetails">
        <link:definition>2420411 - Disclosure - Business Combination - Allocation of Consideration Paid to Fair Values of Assets Acquired and Liabilities Assumed (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationIdentifiableIntangibleAssetsAcquiredDetails" roleURI="http://www.affirm.com/role/BusinessCombinationIdentifiableIntangibleAssetsAcquiredDetails">
        <link:definition>2421412 - Disclosure - Business Combination - Identifiable Intangible Assets Acquired (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationProFormaInformationDetails" roleURI="http://www.affirm.com/role/BusinessCombinationProFormaInformationDetails">
        <link:definition>2422413 - Disclosure - Business Combination - Pro Forma Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BalanceSheetComponents" roleURI="http://www.affirm.com/role/BalanceSheetComponents">
        <link:definition>2123106 - Disclosure - Balance Sheet Components</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BalanceSheetComponentsTables" roleURI="http://www.affirm.com/role/BalanceSheetComponentsTables">
        <link:definition>2324304 - Disclosure - Balance Sheet Components (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BalanceSheetComponentsGoodwillandIntangibleAssetsDetails" roleURI="http://www.affirm.com/role/BalanceSheetComponentsGoodwillandIntangibleAssetsDetails">
        <link:definition>2425414 - Disclosure - Balance Sheet Components - Goodwill and Intangible Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BalanceSheetComponentsIntangibleAssetsDetails" roleURI="http://www.affirm.com/role/BalanceSheetComponentsIntangibleAssetsDetails">
        <link:definition>2426415 - Disclosure - Balance Sheet Components - Intangible Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BalanceSheetComponentsIntangibleAssetsDetails_1" roleURI="http://www.affirm.com/role/BalanceSheetComponentsIntangibleAssetsDetails_1">
        <link:definition>2426415 - Disclosure - Balance Sheet Components - Intangible Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BalanceSheetComponentsAdditionalInformationDetails" roleURI="http://www.affirm.com/role/BalanceSheetComponentsAdditionalInformationDetails">
        <link:definition>2427416 - Disclosure - Balance Sheet Components - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BalanceSheetComponentsExpectedFutureAmortizationExpenseDetails" roleURI="http://www.affirm.com/role/BalanceSheetComponentsExpectedFutureAmortizationExpenseDetails">
        <link:definition>2428417 - Disclosure - Balance Sheet Components - Expected Future Amortization Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BalanceSheetComponentsOtherAssetsDetails" roleURI="http://www.affirm.com/role/BalanceSheetComponentsOtherAssetsDetails">
        <link:definition>2429418 - Disclosure - Balance Sheet Components - Other Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BalanceSheetComponentsAccruedExpensesandOtherLiabilitiesDetails" roleURI="http://www.affirm.com/role/BalanceSheetComponentsAccruedExpensesandOtherLiabilitiesDetails">
        <link:definition>2430419 - Disclosure - Balance Sheet Components - Accrued Expenses and Other Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Leases" roleURI="http://www.affirm.com/role/Leases">
        <link:definition>2131107 - Disclosure - Leases</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesTables" roleURI="http://www.affirm.com/role/LeasesTables">
        <link:definition>2332305 - Disclosure - Leases (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesAdditionalInformationDetails" roleURI="http://www.affirm.com/role/LeasesAdditionalInformationDetails">
        <link:definition>2433420 - Disclosure - Leases - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesScheduleofLeaseTermandDiscountRateDetails" roleURI="http://www.affirm.com/role/LeasesScheduleofLeaseTermandDiscountRateDetails">
        <link:definition>2434421 - Disclosure - Leases - Schedule of Lease Term and Discount Rate (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesMaturitiesofLeaseLiabilitiesDetails" roleURI="http://www.affirm.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails">
        <link:definition>2435422 - Disclosure - Leases - Maturities of Lease Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesMaturitiesofLeaseLiabilitiesDetails_1" roleURI="http://www.affirm.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails_1">
        <link:definition>2435422 - Disclosure - Leases - Maturities of Lease Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentandContingencies" roleURI="http://www.affirm.com/role/CommitmentandContingencies">
        <link:definition>2136108 - Disclosure - Commitment and Contingencies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentandContingenciesAdditionalInformationDetails" roleURI="http://www.affirm.com/role/CommitmentandContingenciesAdditionalInformationDetails">
        <link:definition>2437423 - Disclosure - Commitment and Contingencies - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TransactionswithRelatedParties" roleURI="http://www.affirm.com/role/TransactionswithRelatedParties">
        <link:definition>2138109 - Disclosure - Transactions with Related Parties</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FundingDebt" roleURI="http://www.affirm.com/role/FundingDebt">
        <link:definition>2139110 - Disclosure - Funding Debt</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FundingDebtTables" roleURI="http://www.affirm.com/role/FundingDebtTables">
        <link:definition>2340306 - Disclosure - Funding Debt (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FundingDebtAggregateFutureMaturitiesofFundingDebt2020Details" roleURI="http://www.affirm.com/role/FundingDebtAggregateFutureMaturitiesofFundingDebt2020Details">
        <link:definition>2441424 - Disclosure - Funding Debt - Aggregate Future Maturities of Funding Debt 2020 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FundingDebtAggregateFutureMaturitiesofFundingDebt2021Details" roleURI="http://www.affirm.com/role/FundingDebtAggregateFutureMaturitiesofFundingDebt2021Details">
        <link:definition>2442425 - Disclosure - Funding Debt - Aggregate Future Maturities of Funding Debt 2021 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FundingDebtAdditionalInformationDetails" roleURI="http://www.affirm.com/role/FundingDebtAdditionalInformationDetails">
        <link:definition>2443426 - Disclosure - Funding Debt - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NotesIssuedbySecuritizationTrusts" roleURI="http://www.affirm.com/role/NotesIssuedbySecuritizationTrusts">
        <link:definition>2144111 - Disclosure - Notes Issued by Securitization Trusts</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NotesIssuedbySecuritizationTrustsDetails" roleURI="http://www.affirm.com/role/NotesIssuedbySecuritizationTrustsDetails">
        <link:definition>2445427 - Disclosure - Notes Issued by Securitization Trusts (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Debt" roleURI="http://www.affirm.com/role/Debt">
        <link:definition>2146112 - Disclosure - Debt</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DebtDetails" roleURI="http://www.affirm.com/role/DebtDetails">
        <link:definition>2447428 - Disclosure - Debt (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="VariableInterestEntities" roleURI="http://www.affirm.com/role/VariableInterestEntities">
        <link:definition>2148113 - Disclosure - Variable Interest Entities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilities" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilities">
        <link:definition>2149114 - Disclosure - Fair Value of Financial Assets and Liabilities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesTables" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesTables">
        <link:definition>2350307 - Disclosure - Fair Value of Financial Assets and Liabilities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails">
        <link:definition>2451429 - Disclosure - Fair Value of Financial Assets and Liabilities - Assets and Liabilities Measured at Fair Value on Recurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails_1" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails_1">
        <link:definition>2451429 - Disclosure - Fair Value of Financial Assets and Liabilities - Assets and Liabilities Measured at Fair Value on Recurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesAdditionalInformationDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesAdditionalInformationDetails">
        <link:definition>2452430 - Disclosure - Fair Value of Financial Assets and Liabilities - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesFairValueofServicingAssetsDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesFairValueofServicingAssetsDetails">
        <link:definition>2453431 - Disclosure - Fair Value of Financial Assets and Liabilities - Fair Value of Servicing Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesFairValueofServicingLiabilitiesDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesFairValueofServicingLiabilitiesDetails">
        <link:definition>2454432 - Disclosure - Fair Value of Financial Assets and Liabilities - Fair Value of Servicing Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesQuantitativeInformationAboutSignificantUnobservableInputsforServicingAssetsandLiabilitiesDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesQuantitativeInformationAboutSignificantUnobservableInputsforServicingAssetsandLiabilitiesDetails">
        <link:definition>2455433 - Disclosure - Fair Value of Financial Assets and Liabilities - Quantitative Information About Significant Unobservable Inputs for Servicing Assets and Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesSummaryofAdverseChangesinEstimatesforServicingAssetsandLiabilitiesInputsDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesSummaryofAdverseChangesinEstimatesforServicingAssetsandLiabilitiesInputsDetails">
        <link:definition>2456434 - Disclosure - Fair Value of Financial Assets and Liabilities - Summary of Adverse Changes in Estimates for Servicing Assets and Liabilities Inputs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesFairValueofPerformanceFeeLiabilityDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesFairValueofPerformanceFeeLiabilityDetails">
        <link:definition>2457435 - Disclosure - Fair Value of Financial Assets and Liabilities - Fair Value of Performance Fee Liability (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesQuantitativeInformationAboutSignificantUnobservableInputsforPerformanceFeeLiabilityDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesQuantitativeInformationAboutSignificantUnobservableInputsforPerformanceFeeLiabilityDetails">
        <link:definition>2458436 - Disclosure - Fair Value of Financial Assets and Liabilities - Quantitative Information About Significant Unobservable Inputs for Performance Fee Liability (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesFairValueofResidualTrustCertificatesDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesFairValueofResidualTrustCertificatesDetails">
        <link:definition>2459437 - Disclosure - Fair Value of Financial Assets and Liabilities - Fair Value of Residual Trust Certificates (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesQuantitativeInformationAboutSignificantUnobservableInputsforResidualTrustCertificatesDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesQuantitativeInformationAboutSignificantUnobservableInputsforResidualTrustCertificatesDetails">
        <link:definition>2460438 - Disclosure - Fair Value of Financial Assets and Liabilities - Quantitative Information About Significant Unobservable Inputs for Residual Trust Certificates (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesFairValueofContingentConsiderationDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesFairValueofContingentConsiderationDetails">
        <link:definition>2461439 - Disclosure - Fair Value of Financial Assets and Liabilities - Fair Value of Contingent Consideration (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesQuantitativeInformationAboutSignificantUnobservableInputsforContingentConsiderationDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesQuantitativeInformationAboutSignificantUnobservableInputsforContingentConsiderationDetails">
        <link:definition>2462440 - Disclosure - Fair Value of Financial Assets and Liabilities - Quantitative Information About Significant Unobservable Inputs for Contingent Consideration (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesFairValueofProfitShareLiabilityDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesFairValueofProfitShareLiabilityDetails">
        <link:definition>2463441 - Disclosure - Fair Value of Financial Assets and Liabilities - Fair Value of Profit Share Liability (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesQuantitativeInformationAboutSignificantUnobservableInputsforProfitShareLiabilityDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesQuantitativeInformationAboutSignificantUnobservableInputsforProfitShareLiabilityDetails">
        <link:definition>2464442 - Disclosure - Fair Value of Financial Assets and Liabilities - Quantitative Information About Significant Unobservable Inputs for Profit Share Liability (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesFinancialAssetsandLiabilitiesNotRecordedatFairValueDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesFinancialAssetsandLiabilitiesNotRecordedatFairValueDetails">
        <link:definition>2465443 - Disclosure - Fair Value of Financial Assets and Liabilities - Financial Assets and Liabilities Not Recorded at Fair Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueofFinancialAssetsandLiabilitiesFinancialAssetsandLiabilitiesNotRecordedatFairValueDetails_1" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesFinancialAssetsandLiabilitiesNotRecordedatFairValueDetails_1">
        <link:definition>2465443 - Disclosure - Fair Value of Financial Assets and Liabilities - Financial Assets and Liabilities Not Recorded at Fair Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RedeemableConvertiblePreferredStockandStockholdersDeficit" roleURI="http://www.affirm.com/role/RedeemableConvertiblePreferredStockandStockholdersDeficit">
        <link:definition>2166115 - Disclosure - Redeemable Convertible Preferred Stock and Stockholders&#8217; Deficit</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RedeemableConvertiblePreferredStockandStockholdersDeficitTables" roleURI="http://www.affirm.com/role/RedeemableConvertiblePreferredStockandStockholdersDeficitTables">
        <link:definition>2367308 - Disclosure - Redeemable Convertible Preferred Stock and Stockholders&#8217; Deficit (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RedeemableConvertiblePreferredStockandStockholdersDeficitAdditionalInformationDetails" roleURI="http://www.affirm.com/role/RedeemableConvertiblePreferredStockandStockholdersDeficitAdditionalInformationDetails">
        <link:definition>2468444 - Disclosure - Redeemable Convertible Preferred Stock and Stockholders&#8217; Deficit - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RedeemableConvertiblePreferredStockandStockholdersDeficitScheduleofRedeemableConvertiblePreferredStockDetails" roleURI="http://www.affirm.com/role/RedeemableConvertiblePreferredStockandStockholdersDeficitScheduleofRedeemableConvertiblePreferredStockDetails">
        <link:definition>2469445 - Disclosure - Redeemable Convertible Preferred Stock and Stockholders&#8217; Deficit - Schedule of Redeemable Convertible Preferred Stock (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RedeemableConvertiblePreferredStockandStockholdersDeficitCommonStockReservedforIssuanceDetails" roleURI="http://www.affirm.com/role/RedeemableConvertiblePreferredStockandStockholdersDeficitCommonStockReservedforIssuanceDetails">
        <link:definition>2470446 - Disclosure - Redeemable Convertible Preferred Stock and Stockholders&#8217; Deficit - Common Stock Reserved for Issuance (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RedeemableConvertiblePreferredStockandStockholdersDeficitWarrantActivityDetails" roleURI="http://www.affirm.com/role/RedeemableConvertiblePreferredStockandStockholdersDeficitWarrantActivityDetails">
        <link:definition>2471447 - Disclosure - Redeemable Convertible Preferred Stock and Stockholders&#8217; Deficit - Warrant Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityandCashIncentivePlans" roleURI="http://www.affirm.com/role/EquityandCashIncentivePlans">
        <link:definition>2172116 - Disclosure - Equity and Cash Incentive Plans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityandCashIncentivePlansTables" roleURI="http://www.affirm.com/role/EquityandCashIncentivePlansTables">
        <link:definition>2373309 - Disclosure - Equity and Cash Incentive Plans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityandCashIncentivePlansAdditionalInformationDetails" roleURI="http://www.affirm.com/role/EquityandCashIncentivePlansAdditionalInformationDetails">
        <link:definition>2474448 - Disclosure - Equity and Cash Incentive Plans - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityandCashIncentivePlansStockOptionActivityDetails" roleURI="http://www.affirm.com/role/EquityandCashIncentivePlansStockOptionActivityDetails">
        <link:definition>2475449 - Disclosure - Equity and Cash Incentive Plans - Stock Option Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityandCashIncentivePlansValueCreationAwardDetails" roleURI="http://www.affirm.com/role/EquityandCashIncentivePlansValueCreationAwardDetails">
        <link:definition>2476450 - Disclosure - Equity and Cash Incentive Plans - Value Creation Award (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityandCashIncentivePlansRSUActivityDetails" roleURI="http://www.affirm.com/role/EquityandCashIncentivePlansRSUActivityDetails">
        <link:definition>2477451 - Disclosure - Equity and Cash Incentive Plans - RSU Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EquityandCashIncentivePlansComponentsandClassificationofStockbasedCompensationDetails" roleURI="http://www.affirm.com/role/EquityandCashIncentivePlansComponentsandClassificationofStockbasedCompensationDetails">
        <link:definition>2478452 - Disclosure - Equity and Cash Incentive Plans - Components and Classification of Stock-based Compensation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxes" roleURI="http://www.affirm.com/role/IncomeTaxes">
        <link:definition>2179117 - Disclosure - Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IncomeTaxesDetails" roleURI="http://www.affirm.com/role/IncomeTaxesDetails">
        <link:definition>2480453 - Disclosure - Income Taxes (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetLossperShareAttributabletoCommonStockholders" roleURI="http://www.affirm.com/role/NetLossperShareAttributabletoCommonStockholders">
        <link:definition>2181118 - Disclosure - Net Loss per Share Attributable to Common Stockholders</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetLossperShareAttributabletoCommonStockholdersTables" roleURI="http://www.affirm.com/role/NetLossperShareAttributabletoCommonStockholdersTables">
        <link:definition>2382310 - Disclosure - Net Loss per Share Attributable to Common Stockholders (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetLossperShareAttributabletoCommonStockholdersAdditionalInformationDetails" roleURI="http://www.affirm.com/role/NetLossperShareAttributabletoCommonStockholdersAdditionalInformationDetails">
        <link:definition>2483454 - Disclosure - Net Loss per Share Attributable to Common Stockholders - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetLossperShareAttributabletoCommonStockholdersBasicandDilutedNetLossPerShareDetails" roleURI="http://www.affirm.com/role/NetLossperShareAttributabletoCommonStockholdersBasicandDilutedNetLossPerShareDetails">
        <link:definition>2484455 - Disclosure - Net Loss per Share Attributable to Common Stockholders - Basic and Diluted Net Loss Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NetLossperShareAttributabletoCommonStockholdersCommonStockEquivalentsExcludedfromCalculationofDilutedNetLossPerShareDetails" roleURI="http://www.affirm.com/role/NetLossperShareAttributabletoCommonStockholdersCommonStockEquivalentsExcludedfromCalculationofDilutedNetLossPerShareDetails">
        <link:definition>2485456 - Disclosure - Net Loss per Share Attributable to Common Stockholders - Common Stock Equivalents Excluded from Calculation of Diluted Net Loss Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentsandGeographicalInformation" roleURI="http://www.affirm.com/role/SegmentsandGeographicalInformation">
        <link:definition>2186119 - Disclosure - Segments and Geographical Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentsandGeographicalInformationTables" roleURI="http://www.affirm.com/role/SegmentsandGeographicalInformationTables">
        <link:definition>2387311 - Disclosure - Segments and Geographical Information (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentsandGeographicalInformationAdditionalInformationDetails" roleURI="http://www.affirm.com/role/SegmentsandGeographicalInformationAdditionalInformationDetails">
        <link:definition>2488457 - Disclosure - Segments and Geographical Information - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentsandGeographicalInformationRevenuebyGeographicAreaDetails" roleURI="http://www.affirm.com/role/SegmentsandGeographicalInformationRevenuebyGeographicAreaDetails">
        <link:definition>2489458 - Disclosure - Segments and Geographical Information - Revenue by Geographic Area (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentsandGeographicalInformationLonglivedAssetsbyGeographicAreaDetails" roleURI="http://www.affirm.com/role/SegmentsandGeographicalInformationLonglivedAssetsbyGeographicAreaDetails">
        <link:definition>2490459 - Disclosure - Segments and Geographical Information - Long-lived Assets by Geographic Area (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubsequentEvents" roleURI="http://www.affirm.com/role/SubsequentEvents">
        <link:definition>2191120 - Disclosure - Subsequent Events</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubsequentEventsDetails" roleURI="http://www.affirm.com/role/SubsequentEventsDetails">
        <link:definition>2492460 - Disclosure - Subsequent Events (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="afrm_SecuritizedAssetsPercentageOfResidualCertificatesRetained" abstract="false" name="SecuritizedAssetsPercentageOfResidualCertificatesRetained" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="afrm_StockIssuedDuringPeriodSharesWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodSharesWarrantsExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afrm_OneMonthLondonInterbankOfferedRateLIBORMember" abstract="true" name="OneMonthLondonInterbankOfferedRateLIBORMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_FinancingReceivableRecoveries" abstract="false" name="FinancingReceivableRecoveries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ClassOfWarrantsAndRightsNumberOfSharesRollForward" abstract="true" name="ClassOfWarrantsAndRightsNumberOfSharesRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afrm_PerformanceFeeLiabilityFairValueDisclosure" abstract="false" name="PerformanceFeeLiabilityFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_VariableRateComponentDomain" abstract="true" name="VariableRateComponentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOff" abstract="false" name="FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOff" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet" abstract="false" name="FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_StockGrantedDuringPeriodSharesWarrantsCancelled" abstract="false" name="StockGrantedDuringPeriodSharesWarrantsCancelled" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afrm_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" abstract="false" name="FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ShareBasedPaymentArrangementTrancheSixMember" abstract="true" name="ShareBasedPaymentArrangementTrancheSixMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ResidualTrustCertificatesMeasurementInput" abstract="false" name="ResidualTrustCertificatesMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="afrm_ProcessingAndServicingExpenseMember" abstract="true" name="ProcessingAndServicingExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_FinancingReceivableUnamortizedPurchaseDiscount" abstract="false" name="FinancingReceivableUnamortizedPurchaseDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_CommercialAgreementLiabilityPercentageSettledOnFirstYearAnniversary" abstract="false" name="CommercialAgreementLiabilityPercentageSettledOnFirstYearAnniversary" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="afrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingConditions" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingConditions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afrm_CommercialAgreementAssetTypeAxis" abstract="true" name="CommercialAgreementAssetTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2021ANotesClassCMember" abstract="true" name="AffirmAssetSecuritizationTrust2021ANotesClassCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityFacilitationOfLoans" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityFacilitationOfLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOff" abstract="false" name="FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOff" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_TemporaryEquityStockIssuedDuringPeriodNewIssuesPricePerShare" abstract="false" name="TemporaryEquityStockIssuedDuringPeriodNewIssuesPricePerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:perShareItemType"/>
  <xs:element id="afrm_CommercialAgreementAssetAmortizationPeriod" abstract="false" name="CommercialAgreementAssetAmortizationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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_PerformanceFeeLiabilityMeasurementInput" abstract="false" name="PerformanceFeeLiabilityMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="afrm_FinancingReceivableAmortizedCostBeforeAllowanceForCreditLoss" abstract="false" name="FinancingReceivableAmortizedCostBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueServicingAssetEffectOfTwentyFivePercentagePointIncreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueServicingAssetEffectOfTwentyFivePercentagePointIncreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_LossOnFinancingReceivableCommitmentsToPurchase" abstract="false" name="LossOnFinancingReceivableCommitmentsToPurchase" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableUnamortizedPurchasePremium" abstract="false" name="FinancingReceivableUnamortizedPurchasePremium" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsReceivables" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsReceivables" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_MeasurementInputRevenueVolatilityMember" abstract="true" name="MeasurementInputRevenueVolatilityMember" 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_CashDepositsProcessingReserves" abstract="false" name="CashDepositsProcessingReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_PayBrightMember" abstract="true" name="PayBrightMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_AccruedLiabilitiesAndOtherLiabilitiesFairValueDisclosure" abstract="false" name="AccruedLiabilitiesAndOtherLiabilitiesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ITACScoreNoScoreMember" abstract="true" name="ITACScoreNoScoreMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightCancelledWeightedAverageRemainingLife" abstract="false" name="ClassOfWarrantOrRightCancelledWeightedAverageRemainingLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_ShareBasedPaymentArrangementTrancheFiveMember" abstract="true" name="ShareBasedPaymentArrangementTrancheFiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_VirtualCardNetworkMember" abstract="true" name="VirtualCardNetworkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementAssetShopifyIncWarrantsMember" abstract="true" name="CommercialAgreementAssetShopifyIncWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ShareBasedPaymentAgreementOptionFutureGrantMember" abstract="true" name="ShareBasedPaymentAgreementOptionFutureGrantMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightExercisedWeightedAverageRemainingLife" abstract="false" name="ClassOfWarrantOrRightExercisedWeightedAverageRemainingLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_MerchantNetworkMember" abstract="true" name="MerchantNetworkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ProcessingAndServicingExpense" abstract="false" name="ProcessingAndServicingExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_TrademarksAndDomainsMember" abstract="true" name="TrademarksAndDomainsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ScheduleOfCommonStockReservedForFutureIssuanceTableTextBlock" abstract="false" name="ScheduleOfCommonStockReservedForFutureIssuanceTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="afrm_DebtInstrumentCovenantPeriodPriorToFinalMaturityDateBorrowingsCanOccur" abstract="false" name="DebtInstrumentCovenantPeriodPriorToFinalMaturityDateBorrowingsCanOccur" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_InterestPayableFairValueDisclosure" abstract="false" name="InterestPayableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2021ANotesClassDMember" abstract="true" name="AffirmAssetSecuritizationTrust2021ANotesClassDMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2021ANotesMember" abstract="true" name="AffirmAssetSecuritizationTrust2021ANotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharePriceHurdleToSatisfyPerformanceCondition" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardSharePriceHurdleToSatisfyPerformanceCondition" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:perShareItemType"/>
  <xs:element id="afrm_TemporaryEquityStockIssuedDuringPeriodSharesConversionOfConvertibleSecurities" abstract="false" name="TemporaryEquityStockIssuedDuringPeriodSharesConversionOfConvertibleSecurities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afrm_StockIssuedDuringPeriodValueWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodValueWarrantsExercised" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_TemporaryEquityStockIssuedDuringPeriodValueConversionOfConvertibleSecurities" abstract="false" name="TemporaryEquityStockIssuedDuringPeriodValueConversionOfConvertibleSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_TemporaryEquityStockRepurchasedDuringPeriodShares" abstract="false" name="TemporaryEquityStockRepurchasedDuringPeriodShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedRestrictedCash" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedRestrictedCash" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_MeasurementInputAdequateCompensationMember" abstract="true" name="MeasurementInputAdequateCompensationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_StockIssuedBusinessCombination" abstract="false" name="StockIssuedBusinessCombination" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightExercisedWeightedAverageExercisePrice" abstract="false" name="ClassOfWarrantOrRightExercisedWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:perShareItemType"/>
  <xs:element id="afrm_ResidualTrustCertificatesMember" abstract="true" name="ResidualTrustCertificatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardAverageTradingDayVolume" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAverageTradingDayVolume" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_CommercialAgreementLiability" abstract="false" name="CommercialAgreementLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableFairValueDisclosure" abstract="false" name="FinancingReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableThresholdPeriodPastDueSuspendedAccruedInterest" abstract="false" name="FinancingReceivableThresholdPeriodPastDueSuspendedAccruedInterest" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_ProceedsFromStockOptionsAndWarrantsExercised" abstract="false" name="ProceedsFromStockOptionsAndWarrantsExercised" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancialAsset4To29DaysPastDueMember" abstract="true" name="FinancialAsset4To29DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_A2012EquityIncentivePlanMember" abstract="true" name="A2012EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementProfitShareLiabilityMeasurementInput" abstract="false" name="CommercialAgreementProfitShareLiabilityMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_AmortizationOfPremiumsFinancingReceivables" abstract="false" name="AmortizationOfPremiumsFinancingReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_TechnologyAndDataAnalyticsExpense" abstract="false" name="TechnologyAndDataAnalyticsExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ShareBasedPaymentArrangementTrancheEightMember" abstract="true" name="ShareBasedPaymentArrangementTrancheEightMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ShareBasedPaymentArrangementTrancheSevenMember" abstract="true" name="ShareBasedPaymentArrangementTrancheSevenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementAssetGross" abstract="false" name="CommercialAgreementAssetGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ClassOfWarrantsAndRightsWeightedAverageExercisePriceRollForward" abstract="true" name="ClassOfWarrantsAndRightsWeightedAverageExercisePriceRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afrm_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityAcquisition" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityAcquisition" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_StockGrantedDuringPeriodSharesWarrantsGranted" abstract="false" name="StockGrantedDuringPeriodSharesWarrantsGranted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afrm_ITACScoreLessThan90Member" abstract="true" name="ITACScoreLessThan90Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_SeriesG1PreferredStockMember" abstract="true" name="SeriesG1PreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" abstract="false" name="FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOff" abstract="false" name="FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOff" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueServicingLiabilityEffectOfTwentyFivePercentagePointIncreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueServicingLiabilityEffectOfTwentyFivePercentagePointIncreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_AdjustmentsToAdditionalPaidInCapitalTemporaryEquityDecreaseInCarryingAmountOfRedeemablePreferredStock" abstract="false" name="AdjustmentsToAdditionalPaidInCapitalTemporaryEquityDecreaseInCarryingAmountOfRedeemablePreferredStock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_TechnologyAndDataAnalyticsExpenseMember" abstract="true" name="TechnologyAndDataAnalyticsExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CommercialPaperRateMember" abstract="true" name="CommercialPaperRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightGrantedWeightedAverageRemainingLife" abstract="false" name="ClassOfWarrantOrRightGrantedWeightedAverageRemainingLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_FinancingReceivablesWriteOffRecoveriesNet" abstract="false" name="FinancingReceivablesWriteOffRecoveriesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_MeasurementInputLossRateMember" abstract="true" name="MeasurementInputLossRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CashIncentivePlanAwardsExpense" abstract="false" name="CashIncentivePlanAwardsExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOff" abstract="false" name="FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOff" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_PaymentsForConversionOfRedeemableConvertiblePreferredStock" abstract="false" name="PaymentsForConversionOfRedeemableConvertiblePreferredStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_WarrantsIssued" abstract="false" name="WarrantsIssued" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsPayable" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedLiabilitiesAndOtherLiabilities" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedLiabilitiesAndOtherLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ShareBasedPaymentArrangementTrancheNineMember" abstract="true" name="ShareBasedPaymentArrangementTrancheNineMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_AccruedLiabilitiesCashIncentivePlanAwards" abstract="false" name="AccruedLiabilitiesCashIncentivePlanAwards" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ITACScoreGreaterThan96Member" abstract="true" name="ITACScoreGreaterThan96Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementProfitShareLiabilityMember" abstract="true" name="CommercialAgreementProfitShareLiabilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CreditScoreITACDomain" abstract="true" name="CreditScoreITACDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementAssetEnterprisePartnerStockAppreciationRightsMember" abstract="true" name="CommercialAgreementAssetEnterprisePartnerStockAppreciationRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_NumberOfClassesOfSecuritizationTrusts" abstract="false" name="NumberOfClassesOfSecuritizationTrusts" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2020Z1NotesMember" abstract="true" name="AffirmAssetSecuritizationTrust2020Z1NotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_RestrictedCashFairValueDisclosure" abstract="false" name="RestrictedCashFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableCreditLossMerchantLossExpenseReversal" abstract="false" name="FinancingReceivableCreditLossMerchantLossExpenseReversal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_CommercialAgreementAssetNet" abstract="false" name="CommercialAgreementAssetNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ScheduleOfAccruedLiabilitiesAndOtherLiabitiesTableTextBlock" abstract="false" name="ScheduleOfAccruedLiabilitiesAndOtherLiabitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2021ANotesClassBMember" abstract="true" name="AffirmAssetSecuritizationTrust2021ANotesClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_WarehouseCreditFacilitiesMember" abstract="true" name="WarehouseCreditFacilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_NumberOfSecuritizationTrusts" abstract="false" name="NumberOfSecuritizationTrusts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afrm_MerchantRelationshipsMember" abstract="true" name="MerchantRelationshipsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableBeforeAllowanceForCreditLoss" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_BusinessAcquisitionEquityInterestIssuedOrIssuableNumberOfSharesContingentConsideration" abstract="false" name="BusinessAcquisitionEquityInterestIssuedOrIssuableNumberOfSharesContingentConsideration" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afrm_ContingentConsiderationMember" abstract="true" name="ContingentConsiderationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_TemporaryEquityStockIssuedDuringPeriodSharesNewIssues" abstract="false" name="TemporaryEquityStockIssuedDuringPeriodSharesNewIssues" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet" abstract="false" name="FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_PerformanceFeeLiabilityMember" abstract="true" name="PerformanceFeeLiabilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_DebtInstrumentConvertibleConversionThresholdForProceedsFromIssuanceOfRedeemableConvertiblePreferredStock" abstract="false" name="DebtInstrumentConvertibleConversionThresholdForProceedsFromIssuanceOfRedeemableConvertiblePreferredStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_AccretionAmortizationOfDiscountsAndPremiumsFinancingReceivables" abstract="false" name="AccretionAmortizationOfDiscountsAndPremiumsFinancingReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_GainLossOnResidualTrustCertificates" abstract="false" name="GainLossOnResidualTrustCertificates" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_DebtInstrumentAdvanceRatePercentage" abstract="false" name="DebtInstrumentAdvanceRatePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2020ANotesClassCMember" abstract="true" name="AffirmAssetSecuritizationTrust2020ANotesClassCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementLiabilityPercentageSettledAfter180Days" abstract="false" name="CommercialAgreementLiabilityPercentageSettledAfter180Days" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_LesseeOperatingLeaseTerminationNoticePeriod" abstract="false" name="LesseeOperatingLeaseTerminationNoticePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_ThirdPartyLoanBuyerMember" abstract="true" name="ThirdPartyLoanBuyerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherAssets" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightGrantedWeightedAverageExercisePrice" abstract="false" name="ClassOfWarrantOrRightGrantedWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:perShareItemType"/>
  <xs:element id="afrm_DebtInstrumentResidualCertificatesIssuedPercentage" abstract="false" name="DebtInstrumentResidualCertificatesIssuedPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="afrm_FinancingReceivableYearOneOriginatedCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableYearOneOriginatedCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ResidualTrustCertificatesFairValueDisclosure" abstract="false" name="ResidualTrustCertificatesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2021ANotesClassEMember" abstract="true" name="AffirmAssetSecuritizationTrust2021ANotesClassEMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ShareBasedPaymentArrangementTrancheTenMember" abstract="true" name="ShareBasedPaymentArrangementTrancheTenMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_BusinessCombinationConsiderationTransferredVestedStockOptionsCancelledForCashPayment" abstract="false" name="BusinessCombinationConsiderationTransferredVestedStockOptionsCancelledForCashPayment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AffirmAssetSecuritizationTrust2020ANotesClassBMember" abstract="true" name="AffirmAssetSecuritizationTrust2020ANotesClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementProfitShareLiabilityFairValueDisclosure" abstract="false" name="CommercialAgreementProfitShareLiabilityFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ClassOfWarrantsAndRightsWeightedAverageRemainingLifeRollForward" abstract="true" name="ClassOfWarrantsAndRightsWeightedAverageRemainingLifeRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afrm_NumberOfTranches" abstract="false" name="NumberOfTranches" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afrm_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2021ANotesClassAMember" abstract="true" name="AffirmAssetSecuritizationTrust2021ANotesClassAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_MeasurementInputRefundRateMember" abstract="true" name="MeasurementInputRefundRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_FinancingReceivableCreditLossRepurchaseOfFraudulentLoansExpenseReversal" abstract="false" name="FinancingReceivableCreditLossRepurchaseOfFraudulentLoansExpenseReversal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_IncreaseDecreaseInThirdPartyLoanOwnerPayable" abstract="false" name="IncreaseDecreaseInThirdPartyLoanOwnerPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2020Z2NotesMember" abstract="true" name="AffirmAssetSecuritizationTrust2020Z2NotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightOutstandingWeightedAverageExercisePrice" abstract="false" name="ClassOfWarrantOrRightOutstandingWeightedAverageExercisePrice" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:perShareItemType"/>
  <xs:element id="afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" abstract="false" name="FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_MeasurementInputEquityVolatilityMember" abstract="true" name="MeasurementInputEquityVolatilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CreditScoreITACAxis" abstract="true" name="CreditScoreITACAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="afrm_FinancingReceivableLoanTerm" abstract="false" name="FinancingReceivableLoanTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_VariableRateComponentAxis" abstract="true" name="VariableRateComponentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="afrm_AccretionOfDiscountsFinancingReceivables" abstract="false" name="AccretionOfDiscountsFinancingReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2020ANotesClassAMember" abstract="true" name="AffirmAssetSecuritizationTrust2020ANotesClassAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ShareBasedPaymentArrangementTrancheFourMember" abstract="true" name="ShareBasedPaymentArrangementTrancheFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementAssetTypeDomain" abstract="true" name="CommercialAgreementAssetTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ThirdPartyLoanOwnerPayable" abstract="false" name="ThirdPartyLoanOwnerPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" abstract="false" name="FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableITACCreditQualityIndicator" abstract="false" name="FinancingReceivableITACCreditQualityIndicator" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="afrm_CustomerReferralPartnersPolicyPolicyTextBlock" abstract="false" name="CustomerReferralPartnersPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <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_ITACScore94To96Member" abstract="true" name="ITACScore94To96Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_OriginationOfLoans" abstract="false" name="OriginationOfLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightCancelledWeightedAverageExercisePrice" abstract="false" name="ClassOfWarrantOrRightCancelledWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:perShareItemType"/>
  <xs:element id="afrm_FinancingReceivableWriteOff" abstract="false" name="FinancingReceivableWriteOff" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_PerformanceBasedStockOptionsMember" abstract="true" name="PerformanceBasedStockOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ITACScore90To94Member" abstract="true" name="ITACScore90To94Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecuredDebt" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecuredDebt" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_GainLossOnServicingAssetsAndLiabilities" abstract="false" name="GainLossOnServicingAssetsAndLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_LargestMerchantPartnerMember" abstract="true" name="LargestMerchantPartnerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementLiabilityAccretionExpense" abstract="false" name="CommercialAgreementLiabilityAccretionExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_PayBrightFundingFacilitiesMember" abstract="true" name="PayBrightFundingFacilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_DebtInstrumentConvertibleThresholdForProceedsFromConversion" abstract="false" name="DebtInstrumentConvertibleThresholdForProceedsFromConversion" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_TemporaryEquityStockIssuedDuringPeriodNewIssuesShares" abstract="false" name="TemporaryEquityStockIssuedDuringPeriodNewIssuesShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2020ANotesMember" abstract="true" name="AffirmAssetSecuritizationTrust2020ANotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableHeldForSaleFairValueDisclosure" abstract="false" name="FinancingReceivableHeldForSaleFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_MeasurementInputProgramProfitabilityMember" abstract="true" name="MeasurementInputProgramProfitabilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueServicingLiabilityEffectOfFiftyPercentagePointIncreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueServicingLiabilityEffectOfFiftyPercentagePointIncreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_LongTermDebtMaturityAfterYearFour" abstract="false" name="LongTermDebtMaturityAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOff" abstract="false" name="FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOff" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_TemporaryEquityStockRepurchasedDuringPeriodValue" abstract="false" name="TemporaryEquityStockRepurchasedDuringPeriodValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOff" abstract="false" name="FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOff" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2021Z1NotesMember" abstract="true" name="AffirmAssetSecuritizationTrust2021Z1NotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_CashCollateralAndDepositsForLettersOfCreditMember" abstract="true" name="CashCollateralAndDepositsForLettersOfCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightOutstandingWeightedAverageRemainingLife" abstract="false" name="ClassOfWarrantOrRightOutstandingWeightedAverageRemainingLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_AmortizationOfCommercialAgreementAssets" abstract="false" name="AmortizationOfCommercialAgreementAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_LoansSoldContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding" abstract="false" name="LoansSoldContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_PaymentsToAcquireCommercialAgreementAssets" abstract="false" name="PaymentsToAcquireCommercialAgreementAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
