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  <xs:element id="afrm_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearThree" abstract="false" name="FiniteLivedIntangibleAssetExpectedAmortizationAfterYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SeniorPledgedSecuritiesMember" abstract="true" name="SeniorPledgedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_OtherGeographicalMember" abstract="true" name="OtherGeographicalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySubsequentChangesToFairValue" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySubsequentChangesToFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_LesseeOperatingLeaseLiabilityToBePaidYearFourAndAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidYearFourAndAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_ConversionPeriodTwoMember" abstract="true" name="ConversionPeriodTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_CreditScoreITACDomain" abstract="true" name="CreditScoreITACDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingConditions" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingConditions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_AmortizationOfCommercialAgreementAssets" abstract="false" name="AmortizationOfCommercialAgreementAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsEarlyExerciseRightsLiability" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsEarlyExerciseRightsLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_VirtualCardNetworkMember" abstract="true" name="VirtualCardNetworkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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_ConvertibleSeniorNotesMember" abstract="true" name="ConvertibleSeniorNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharePurchasePriceDiscountPercent" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardSharePurchasePriceDiscountPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afrm_AssetAcquisitionForgivenessOfLongTermDebt" abstract="false" name="AssetAcquisitionForgivenessOfLongTermDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityActualGainLoss" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityActualGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ITACScore90To94Member" abstract="true" name="ITACScore90To94Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_MinimumPercentageOfTradingPriceToLastReportedSalePrice" abstract="false" name="MinimumPercentageOfTradingPriceToLastReportedSalePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <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_ClassOrWarrantsOrRightsSaleOrWarrantsRecognized" abstract="false" name="ClassOrWarrantsOrRightsSaleOrWarrantsRecognized" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ResidualCertificatePledgedSecuritiesMember" abstract="true" name="ResidualCertificatePledgedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_DerivativeInstrumentsCollateralHeld" abstract="false" name="DerivativeInstrumentsCollateralHeld" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AffirmAssetSecuritizationTrust2021ANotesMember" abstract="true" name="AffirmAssetSecuritizationTrust2021ANotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2020ANotesMember" abstract="true" name="AffirmAssetSecuritizationTrust2020ANotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_BusinessAcquisitionEquityInterestIssuedOrIssuableNumberOfSharesContingentConsiderationReleasedFromEscrowAccount" abstract="false" name="BusinessAcquisitionEquityInterestIssuedOrIssuableNumberOfSharesContingentConsiderationReleasedFromEscrowAccount" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afrm_CommercialAgreementProfitShareLiabilityMeasurementInput" abstract="false" name="CommercialAgreementProfitShareLiabilityMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="afrm_BusinessAcquisitionEquityInterestIssuedOrIssuableNumberOfSharesContingentConsideration" abstract="false" name="BusinessAcquisitionEquityInterestIssuedOrIssuableNumberOfSharesContingentConsideration" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_FinancingReceivableUnamortizedPurchasePremium" abstract="false" name="FinancingReceivableUnamortizedPurchasePremium" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_AssetAcquisitionTransactionCosts" abstract="false" name="AssetAcquisitionTransactionCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_CommonStockVotingRightsNumberOfVotesPerShare" abstract="false" name="CommonStockVotingRightsNumberOfVotesPerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afrm_CommercialAgreementAssetEnterprisePartnerStockAppreciationRightsMember" abstract="true" name="CommercialAgreementAssetEnterprisePartnerStockAppreciationRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardExerciseTaxesPayable" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardExerciseTaxesPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_OtherReceivablesMember" abstract="true" name="OtherReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_FinancingReceivableWriteOff" abstract="false" name="FinancingReceivableWriteOff" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_AmortizationOfDiscountOnAvailableForSaleSecurities" abstract="false" name="AmortizationOfDiscountOnAvailableForSaleSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ResidualTrustCertificatesMeasurementInput" abstract="false" name="ResidualTrustCertificatesMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="afrm_RepurchaseAgreementMember" abstract="true" name="RepurchaseAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_ClassOfWarrantsOrRightsDividendYield" abstract="false" name="ClassOfWarrantsOrRightsDividendYield" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afrm_AmendedAndRestated2012StockPlanMember" abstract="true" name="AmendedAndRestated2012StockPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_ClassOfWarrantsOrRightsAmortizationExpense" abstract="false" name="ClassOfWarrantsOrRightsAmortizationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_CashCollateralAndDepositsForLettersOfCreditMember" abstract="true" name="CashCollateralAndDepositsForLettersOfCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_CommercialAgreementAssetTypeAxis" abstract="true" name="CommercialAgreementAssetTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalExcludingCertainProvisions" abstract="false" name="FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalExcludingCertainProvisions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" abstract="false" name="FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_NonUSGovernmentAgenciesDebtSecuritiesMember" abstract="true" name="NonUSGovernmentAgenciesDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_ShopBrainMember" abstract="true" name="ShopBrainMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_ScheduleOfAccruedLiabilitiesAndOtherLiabilitiesTableTextBlock" abstract="false" name="ScheduleOfAccruedLiabilitiesAndOtherLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_SensitivityAnalysisOfFairValueSecuritizationNotesAndResidualTrustCertificatesLiabilityEffectOfTwentyFivePercentagePointIncreaseDecreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueSecuritizationNotesAndResidualTrustCertificatesLiabilityEffectOfTwentyFivePercentagePointIncreaseDecreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_SecondWarrantSharesMember" abstract="true" name="SecondWarrantSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_SecuritizedAssetsPercentageOfResidualCertificatesRetained" abstract="false" name="SecuritizedAssetsPercentageOfResidualCertificatesRetained" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afrm_MeasurementInputAdequateCompensationMember" abstract="true" name="MeasurementInputAdequateCompensationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_PerformanceBasedStockOptionsMember" abstract="true" name="PerformanceBasedStockOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_PayBrightMember" abstract="true" name="PayBrightMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_IncreaseDecreaseInCommercialAgreementAssets" abstract="false" name="IncreaseDecreaseInCommercialAgreementAssets" nillable="true" xbrli:periodType="duration" 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="dtr-types:domainItemType"/>
  <xs:element id="afrm_FinancingReceivableThresholdPeriodPastDueSuspendedAccruedInterest" abstract="false" name="FinancingReceivableThresholdPeriodPastDueSuspendedAccruedInterest" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <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_AffirmAssetSecuritizationTrust2021Z1And2021Z2NotesMember" abstract="true" name="AffirmAssetSecuritizationTrust2021Z1And2021Z2NotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityImpairmentOnSecuritiesAvailableForSale" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityImpairmentOnSecuritiesAvailableForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ResidualTrustCertificatesHeldByThirdPartiesInConsolidatedVIEsMember" abstract="true" name="ResidualTrustCertificatesHeldByThirdPartiesInConsolidatedVIEsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_CommercialAgreementAssetAmortizationPeriodLengthOfExtension" abstract="false" name="CommercialAgreementAssetAmortizationPeriodLengthOfExtension" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_MeasurementInputLossRateMember" abstract="true" name="MeasurementInputLossRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_DebtInstrumentRemainingLife" abstract="false" name="DebtInstrumentRemainingLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_VariableInterestEntityNotPrimaryBeneficiaryRequiredEconomicRiskRetention" abstract="false" name="VariableInterestEntityNotPrimaryBeneficiaryRequiredEconomicRiskRetention" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afrm_WarehouseCreditFacilityMember" abstract="true" name="WarehouseCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_GainLossOnChangesInFairValueOfAssetsAndLiabilities" abstract="false" name="GainLossOnChangesInFairValueOfAssetsAndLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ShareBasedPaymentAgreementOptionFutureGrantMember" abstract="true" name="ShareBasedPaymentAgreementOptionFutureGrantMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_MerchantRelationshipsMember" abstract="true" name="MerchantRelationshipsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
