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  <xs:element id="afrm_TemporaryEquityConversionIntoStockholdersEquityNumberOfShares" abstract="false" name="TemporaryEquityConversionIntoStockholdersEquityNumberOfShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="afrm_SensitivityAnalysisOfFairValueResidualTrustCertificatesLiabilityEffectOfFiftyPercentagePointIncreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueResidualTrustCertificatesLiabilityEffectOfFiftyPercentagePointIncreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="afrm_SeriesASeriesBAndSeriesCPreferredStockMember" abstract="true" name="SeriesASeriesBAndSeriesCPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_BusinessAcquisitionEquityInterestIssuedOrIssuableNumberOfSharesContingentConsideration" abstract="false" name="BusinessAcquisitionEquityInterestIssuedOrIssuableNumberOfSharesContingentConsideration" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="afrm_StockIssuedDuringPeriodSharesWarrantsIssued" abstract="false" name="StockIssuedDuringPeriodSharesWarrantsIssued" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="afrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingConditions" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingConditions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="afrm_IncreaseDecreaseInThirdPartyLoanOwnerPayable" abstract="false" name="IncreaseDecreaseInThirdPartyLoanOwnerPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="afrm_FinancingReceivableCreditLossRepurchaseOfFraudulentLoansExpenseReversal" abstract="false" name="FinancingReceivableCreditLossRepurchaseOfFraudulentLoansExpenseReversal" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="afrm_FinancialAsset4To29DaysPastDueMember" abstract="true" name="FinancialAsset4To29DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_AccretionAmortizationOfDiscountsAndPremiumsFinancingReceivables" abstract="false" name="AccretionAmortizationOfDiscountsAndPremiumsFinancingReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="afrm_SeriesG1PreferredStockMember" abstract="true" name="SeriesG1PreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
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  <xs:element id="afrm_FinancingReceivableHeldForSaleFairValueDisclosure" abstract="false" name="FinancingReceivableHeldForSaleFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="afrm_LargestMerchantPartnerMember" abstract="true" name="LargestMerchantPartnerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="afrm_TemporaryEquityThresholdForOfferingProceedsTriggeringConversionToCommonStock" abstract="false" name="TemporaryEquityThresholdForOfferingProceedsTriggeringConversionToCommonStock" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_NumberOfClassesOfSecuritizationTrusts" abstract="false" name="NumberOfClassesOfSecuritizationTrusts" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afrm_RestrictedCashFairValueDisclosure" abstract="false" name="RestrictedCashFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
