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

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2025 Workiva-->
<!--r:fdad51dc-9fc9-4ff0-9863-3ebcbf15ca3f,g:80ab1b30-6e11-490b-a4a5-4c3f91f7120c-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:afrm="http://www.affirm.com/20250331" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types1="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.affirm.com/20250331">
  <xs:import namespace="http://fasb.org/srt/2024" schemaLocation="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2024" schemaLocation="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.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/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.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/dei/2024" schemaLocation="https://xbrl.sec.gov/dei/2024/dei-2024.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2024" schemaLocation="https://xbrl.sec.gov/ecd/2024/ecd-2024.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-20250331_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-20250331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" 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-20250331_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-20250331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="CoverPage" roleURI="http://www.affirm.com/role/CoverPage">
        <link:definition>0000001 - 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>9952151 - 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>9952152 - 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="CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVEINCOMELOSS" roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFOPERATIONSANDCOMPREHENSIVEINCOMELOSS">
        <link:definition>9952153 - Statement - CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (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="CONDENSEDCONSOLIDATEDSTATEMENTOFSTOCKHOLDERSEQUITY" roleURI="http://www.affirm.com/role/CONDENSEDCONSOLIDATEDSTATEMENTOFSTOCKHOLDERSEQUITY">
        <link:definition>9952154 - Statement - CONDENSED CONSOLIDATED STATEMENT OF STOCKHOLDERS&#8217; EQUITY</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>9952155 - 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>9952156 - 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="SummaryofSignificantAccountingPolicies" roleURI="http://www.affirm.com/role/SummaryofSignificantAccountingPolicies">
        <link:definition>9952157 - 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="Revenue" roleURI="http://www.affirm.com/role/Revenue">
        <link:definition>9952158 - Disclosure - Revenue</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>9952159 - 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="BalanceSheetComponents" roleURI="http://www.affirm.com/role/BalanceSheetComponents">
        <link:definition>9952160 - 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="Leases" roleURI="http://www.affirm.com/role/Leases">
        <link:definition>9952161 - 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="CommitmentsandContingencies" roleURI="http://www.affirm.com/role/CommitmentsandContingencies">
        <link:definition>9952162 - Disclosure - Commitments 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="Debt" roleURI="http://www.affirm.com/role/Debt">
        <link:definition>9952163 - 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="SecuritizationandVariableInterestEntities" roleURI="http://www.affirm.com/role/SecuritizationandVariableInterestEntities">
        <link:definition>9952164 - Disclosure - Securitization and 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="Investments" roleURI="http://www.affirm.com/role/Investments">
        <link:definition>9952165 - Disclosure - Investments</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="DerivativeFinancialInstruments" roleURI="http://www.affirm.com/role/DerivativeFinancialInstruments">
        <link:definition>9952166 - Disclosure - Derivative Financial Instruments</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>9952167 - 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="StockholdersEquity" roleURI="http://www.affirm.com/role/StockholdersEquity">
        <link:definition>9952168 - Disclosure - Stockholders' Equity</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="EquityIncentivePlans" roleURI="http://www.affirm.com/role/EquityIncentivePlans">
        <link:definition>9952169 - Disclosure - Equity 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="Restructuringandother" roleURI="http://www.affirm.com/role/Restructuringandother">
        <link:definition>9952170 - Disclosure - Restructuring and other</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>9952171 - 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="NetIncomeLossperShareAttributabletoCommonStockholders" roleURI="http://www.affirm.com/role/NetIncomeLossperShareAttributabletoCommonStockholders">
        <link:definition>9952172 - Disclosure - Net Income (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="SummaryofSignificantAccountingPoliciesPolicies" roleURI="http://www.affirm.com/role/SummaryofSignificantAccountingPoliciesPolicies">
        <link:definition>9955511 - 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="RevenueTables" roleURI="http://www.affirm.com/role/RevenueTables">
        <link:definition>9955512 - Disclosure - Revenue (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="LoansHeldforInvestmentandAllowanceforCreditLossesTables" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesTables">
        <link:definition>9955513 - 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="BalanceSheetComponentsTables" roleURI="http://www.affirm.com/role/BalanceSheetComponentsTables">
        <link:definition>9955514 - 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="LeasesTables" roleURI="http://www.affirm.com/role/LeasesTables">
        <link:definition>9955515 - 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="DebtTables" roleURI="http://www.affirm.com/role/DebtTables">
        <link:definition>9955516 - Disclosure - 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="SecuritizationandVariableInterestEntitiesTables" roleURI="http://www.affirm.com/role/SecuritizationandVariableInterestEntitiesTables">
        <link:definition>9955517 - Disclosure - Securitization and Variable Interest Entities (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="InvestmentsTables" roleURI="http://www.affirm.com/role/InvestmentsTables">
        <link:definition>9955518 - Disclosure - Investments (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="DerivativeFinancialInstrumentsTables" roleURI="http://www.affirm.com/role/DerivativeFinancialInstrumentsTables">
        <link:definition>9955519 - Disclosure - Derivative Financial Instruments (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="FairValueofFinancialAssetsandLiabilitiesTables" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesTables">
        <link:definition>9955520 - 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="StockholdersEquityTables" roleURI="http://www.affirm.com/role/StockholdersEquityTables">
        <link:definition>9955521 - Disclosure - Stockholders' Equity (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="EquityIncentivePlansTables" roleURI="http://www.affirm.com/role/EquityIncentivePlansTables">
        <link:definition>9955522 - Disclosure - Equity 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="NetIncomeLossperShareAttributabletoCommonStockholdersTables" roleURI="http://www.affirm.com/role/NetIncomeLossperShareAttributabletoCommonStockholdersTables">
        <link:definition>9955523 - Disclosure - Net Income (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="RevenueDisaggregatedRevenueDetails" roleURI="http://www.affirm.com/role/RevenueDisaggregatedRevenueDetails">
        <link:definition>9955524 - Disclosure - Revenue - Disaggregated Revenue (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="RevenueScheduleofInterestIncomeDetails" roleURI="http://www.affirm.com/role/RevenueScheduleofInterestIncomeDetails">
        <link:definition>9955525 - Disclosure - Revenue - Schedule of 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="RevenueAdditionalInformationDetails" roleURI="http://www.affirm.com/role/RevenueAdditionalInformationDetails">
        <link:definition>9955526 - Disclosure - Revenue - 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="LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofLoansHeldforInvestmentDetails" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofLoansHeldforInvestmentDetails">
        <link:definition>9955527 - Disclosure - Loans Held for Investment and Allowance for Credit Losses - Schedule of 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>9955528 - 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="LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofCreditQualitybyITACsScoreDetails" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofCreditQualitybyITACsScoreDetails">
        <link:definition>9955529 - Disclosure - Loans Held for Investment and Allowance for Credit Losses - Schedule of 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="LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofUnpaidPrincipalBalanceforLoansHeldforInvestmentDetails" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofUnpaidPrincipalBalanceforLoansHeldforInvestmentDetails">
        <link:definition>9955530 - Disclosure - Loans Held for Investment and Allowance for Credit Losses - Schedule of 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="LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofAllowanceforCreditLossDetails" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofAllowanceforCreditLossDetails">
        <link:definition>9955531 - Disclosure - Loans Held for Investment and Allowance for Credit Losses - Schedule of 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="LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofAmortizedCostBasisofAmortizedLoansDetails" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofAmortizedCostBasisofAmortizedLoansDetails">
        <link:definition>9955532 - Disclosure - Loans Held for Investment and Allowance for Credit Losses - Schedule of Amortized Cost Basis of Amortized Loans (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="LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofAgingAnalysisofModifiedLoansDetails" roleURI="http://www.affirm.com/role/LoansHeldforInvestmentandAllowanceforCreditLossesScheduleofAgingAnalysisofModifiedLoansDetails">
        <link:definition>9955533 - Disclosure - Loans Held for Investment and Allowance for Credit Losses - Schedule of Aging Analysis of Modified Loans (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>9955534 - 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="BalanceSheetComponentsScheduleofPropertyEquipmentandSoftwareDetails" roleURI="http://www.affirm.com/role/BalanceSheetComponentsScheduleofPropertyEquipmentandSoftwareDetails">
        <link:definition>9955535 - Disclosure - Balance Sheet Components - Schedule of Property, Equipment and Software (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="BalanceSheetComponentsScheduleofGoodwillandIntangibleAssetsDetails" roleURI="http://www.affirm.com/role/BalanceSheetComponentsScheduleofGoodwillandIntangibleAssetsDetails">
        <link:definition>9955536 - Disclosure - Balance Sheet Components - Schedule of 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="BalanceSheetComponentsScheduleofIntangibleAssetsDetails" roleURI="http://www.affirm.com/role/BalanceSheetComponentsScheduleofIntangibleAssetsDetails">
        <link:definition>9955537 - Disclosure - Balance Sheet Components - Schedule of 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="BalanceSheetComponentsScheduleofIntangibleAssetsDetails_1" roleURI="http://www.affirm.com/role/BalanceSheetComponentsScheduleofIntangibleAssetsDetails_1">
        <link:definition>9955537 - Disclosure - Balance Sheet Components - Schedule of 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="BalanceSheetComponentsScheduleofExpectedFutureAmortizationExpenseDetails" roleURI="http://www.affirm.com/role/BalanceSheetComponentsScheduleofExpectedFutureAmortizationExpenseDetails">
        <link:definition>9955538 - Disclosure - Balance Sheet Components - Schedule of 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="BalanceSheetComponentsScheduleofOtherAssetsDetails" roleURI="http://www.affirm.com/role/BalanceSheetComponentsScheduleofOtherAssetsDetails">
        <link:definition>9955539 - Disclosure - Balance Sheet Components - Schedule of 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="BalanceSheetComponentsScheduleofAccruedExpensesandOtherLiabilitiesDetails" roleURI="http://www.affirm.com/role/BalanceSheetComponentsScheduleofAccruedExpensesandOtherLiabilitiesDetails">
        <link:definition>9955540 - Disclosure - Balance Sheet Components - Schedule of 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="LeasesAdditionalInformationDetails" roleURI="http://www.affirm.com/role/LeasesAdditionalInformationDetails">
        <link:definition>9955541 - 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="LeasesScheduleofComponentsofLeaseExpenseDetails" roleURI="http://www.affirm.com/role/LeasesScheduleofComponentsofLeaseExpenseDetails">
        <link:definition>9955542 - Disclosure - Leases - Schedule of Components of Lease 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="LeasesScheduleofLeaseTermandDiscountRateDetails" roleURI="http://www.affirm.com/role/LeasesScheduleofLeaseTermandDiscountRateDetails">
        <link:definition>9955543 - 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="LeasesScheduleofMaturitiesofLeaseLiabilitiesDetails" roleURI="http://www.affirm.com/role/LeasesScheduleofMaturitiesofLeaseLiabilitiesDetails">
        <link:definition>9955544 - Disclosure - Leases - Schedule of 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="LeasesScheduleofMaturitiesofLeaseLiabilitiesDetails_1" roleURI="http://www.affirm.com/role/LeasesScheduleofMaturitiesofLeaseLiabilitiesDetails_1">
        <link:definition>9955544 - Disclosure - Leases - Schedule of 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="CommitmentandContingenciesDetails" roleURI="http://www.affirm.com/role/CommitmentandContingenciesDetails">
        <link:definition>9955545 - Disclosure - Commitment and Contingencies (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="DebtScheduleofComponentsofDebtDetails" roleURI="http://www.affirm.com/role/DebtScheduleofComponentsofDebtDetails">
        <link:definition>9955546 - Disclosure - Debt - Schedule of Components of 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="DebtAdditionalInformationDetails" roleURI="http://www.affirm.com/role/DebtAdditionalInformationDetails">
        <link:definition>9955547 - Disclosure - 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="DebtScheduleoftheInterestExpenseRecognizedRelatedtotheConvertibleSeniorNotesDetails" roleURI="http://www.affirm.com/role/DebtScheduleoftheInterestExpenseRecognizedRelatedtotheConvertibleSeniorNotesDetails">
        <link:definition>9955548 - Disclosure - Debt - Schedule of the Interest Expense Recognized Related to the Convertible Senior Notes (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="DebtScheduleofAggregateFutureMaturitiesofFundingDebtDetails" roleURI="http://www.affirm.com/role/DebtScheduleofAggregateFutureMaturitiesofFundingDebtDetails">
        <link:definition>9955549 - Disclosure - Debt - Schedule of Aggregate Future Maturities of Funding 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="SecuritizationandVariableInterestEntitiesScheduleofAggregateCarryingValueofFinancialAssetsandLiabilitiesfromConsolidatedVIEsDetails" roleURI="http://www.affirm.com/role/SecuritizationandVariableInterestEntitiesScheduleofAggregateCarryingValueofFinancialAssetsandLiabilitiesfromConsolidatedVIEsDetails">
        <link:definition>9955550 - Disclosure - Securitization and Variable Interest Entities - Schedule of Aggregate Carrying Value of Financial Assets and Liabilities from Consolidated VIEs (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="SecuritizationandVariableInterestEntitiesScheduleofAggregateCarryingValueofFinancialAssetsandLiabilitiesfromUnconsolidatedVIEsDetails" roleURI="http://www.affirm.com/role/SecuritizationandVariableInterestEntitiesScheduleofAggregateCarryingValueofFinancialAssetsandLiabilitiesfromUnconsolidatedVIEsDetails">
        <link:definition>9955551 - Disclosure - Securitization and Variable Interest Entities - Schedule of Aggregate Carrying Value of Financial Assets and Liabilities from Unconsolidated VIEs (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="SecuritizationandVariableInterestEntitiesAdditionalInformationDetails" roleURI="http://www.affirm.com/role/SecuritizationandVariableInterestEntitiesAdditionalInformationDetails">
        <link:definition>9955552 - Disclosure - Securitization and Variable Interest Entities - 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="InvestmentsScheduleofMarketableSecuritiesDetails" roleURI="http://www.affirm.com/role/InvestmentsScheduleofMarketableSecuritiesDetails">
        <link:definition>9955553 - Disclosure - Investments - Schedule of Marketable Securities (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="InvestmentsScheduleofSecuritiesAvailableforSaleDetails" roleURI="http://www.affirm.com/role/InvestmentsScheduleofSecuritiesAvailableforSaleDetails">
        <link:definition>9955554 - Disclosure - Investments - Schedule of Securities Available for Sale (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="InvestmentsScheduleofAvailableforSaleSecuritieswithUnrealizedLossesDetails" roleURI="http://www.affirm.com/role/InvestmentsScheduleofAvailableforSaleSecuritieswithUnrealizedLossesDetails">
        <link:definition>9955555 - Disclosure - Investments - Schedule of Available for Sale Securities with Unrealized Losses (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="InvestmentsScheduleofLengthofContractualMaturitiesDetails" roleURI="http://www.affirm.com/role/InvestmentsScheduleofLengthofContractualMaturitiesDetails">
        <link:definition>9955556 - Disclosure - Investments - Schedule of Length of Contractual Maturities (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="InvestmentsAdditionalInformationDetails" roleURI="http://www.affirm.com/role/InvestmentsAdditionalInformationDetails">
        <link:definition>9955557 - Disclosure - Investments - 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="DerivativeFinancialInstrumentsScheduleofFairValueofDerivativeInstrumentsDetails" roleURI="http://www.affirm.com/role/DerivativeFinancialInstrumentsScheduleofFairValueofDerivativeInstrumentsDetails">
        <link:definition>9955558 - Disclosure - Derivative Financial Instruments - Schedule of Fair Value of Derivative Instruments (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="DerivativeFinancialInstrumentsScheduleofImpactofCashFlowHedgesonAOCIDetails" roleURI="http://www.affirm.com/role/DerivativeFinancialInstrumentsScheduleofImpactofCashFlowHedgesonAOCIDetails">
        <link:definition>9955559 - Disclosure - Derivative Financial Instruments - Schedule of Impact of Cash Flow Hedges on AOCI (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="DerivativeFinancialInstrumentsScheduleofGainLossonDerivativeInstrumentsDetails" roleURI="http://www.affirm.com/role/DerivativeFinancialInstrumentsScheduleofGainLossonDerivativeInstrumentsDetails">
        <link:definition>9955560 - Disclosure - Derivative Financial Instruments - Schedule of Gain (Loss) on Derivative Instruments (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="FairValueofFinancialAssetsandLiabilitiesScheduleofAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails">
        <link:definition>9955561 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of 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>9955562 - 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="FairValueofFinancialAssetsandLiabilitiesScheduleofFairValueofServicingAssetsDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofFairValueofServicingAssetsDetails">
        <link:definition>9955563 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of 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="FairValueofFinancialAssetsandLiabilitiesScheduleofFairValueofServicingLiabilitiesDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofFairValueofServicingLiabilitiesDetails">
        <link:definition>9955564 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of 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="FairValueofFinancialAssetsandLiabilitiesScheduleofQuantitativeInformationAboutSignificantUnobservableInputsforServicingAssetsandLiabilitiesDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofQuantitativeInformationAboutSignificantUnobservableInputsforServicingAssetsandLiabilitiesDetails">
        <link:definition>9955565 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of 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="FairValueofFinancialAssetsandLiabilitiesScheduleofAdverseChangesinEstimatesforServicingAssetsandLiabilitiesInputsDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofAdverseChangesinEstimatesforServicingAssetsandLiabilitiesInputsDetails">
        <link:definition>9955566 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule 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="FairValueofFinancialAssetsandLiabilitiesScheduleofFairValueofPerformanceFeeLiabilityDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofFairValueofPerformanceFeeLiabilityDetails">
        <link:definition>9955567 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of 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="FairValueofFinancialAssetsandLiabilitiesScheduleofQuantitativeInformationAboutSignificantUnobservableInputsforPerformanceFeeLiabilityDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofQuantitativeInformationAboutSignificantUnobservableInputsforPerformanceFeeLiabilityDetails">
        <link:definition>9955568 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of 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="FairValueofFinancialAssetsandLiabilitiesScheduleofFairValueofSeniorNotesandResidualTrustCertificatesDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofFairValueofSeniorNotesandResidualTrustCertificatesDetails">
        <link:definition>9955569 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of Fair Value of Senior Notes and 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="FairValueofFinancialAssetsandLiabilitiesScheduleofQuantitativeInformationAboutSignificantUnobservableInputsforSeniorNotesandResidualTrustCertificatedDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofQuantitativeInformationAboutSignificantUnobservableInputsforSeniorNotesandResidualTrustCertificatedDetails">
        <link:definition>9955570 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of Quantitative Information About Significant Unobservable Inputs for Senior Notes and Residual Trust Certificated (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="FairValueofFinancialAssetsandLiabilitiesScheduleofAdverseChangesinEstimatesforSecuritizationNotesandResidualTrustCertificatesDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofAdverseChangesinEstimatesforSecuritizationNotesandResidualTrustCertificatesDetails">
        <link:definition>9955571 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of Adverse Changes in Estimates for Securitization Notes and 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="FairValueofFinancialAssetsandLiabilitiesScheduleofFairValueofProfitShareLiabilityDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofFairValueofProfitShareLiabilityDetails">
        <link:definition>9955572 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of 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="FairValueofFinancialAssetsandLiabilitiesScheduleofQuantitativeInformationAboutSignificantUnobservableInputsforProfitShareLiabilityDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofQuantitativeInformationAboutSignificantUnobservableInputsforProfitShareLiabilityDetails">
        <link:definition>9955573 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of 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="FairValueofFinancialAssetsandLiabilitiesScheduleofFairValueActivityforRiskSharingArrangementsDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofFairValueActivityforRiskSharingArrangementsDetails">
        <link:definition>9955574 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of Fair Value Activity for Risk Sharing Arrangements (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="FairValueofFinancialAssetsandLiabilitiesScheduleofSignificantUnobservableInputsUsedinRiskSharingArrangementDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofSignificantUnobservableInputsUsedinRiskSharingArrangementDetails">
        <link:definition>9955575 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of Significant Unobservable Inputs Used in Risk Sharing Arrangement (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="FairValueofFinancialAssetsandLiabilitiesScheduleofEffectofAdverseChangesinEstimatesonRiskSharingArrangementsDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofEffectofAdverseChangesinEstimatesonRiskSharingArrangementsDetails">
        <link:definition>9955576 - Disclosure - Fair Value of Financial Assets and Liabilities -Schedule of Effect of Adverse Changes in Estimates on Risk Sharing Arrangements (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="FairValueofFinancialAssetsandLiabilitiesScheduleofFinancialAssetsandLiabilitiesNotRecordedatFairValueDetails" roleURI="http://www.affirm.com/role/FairValueofFinancialAssetsandLiabilitiesScheduleofFinancialAssetsandLiabilitiesNotRecordedatFairValueDetails">
        <link:definition>9955577 - Disclosure - Fair Value of Financial Assets and Liabilities - Schedule of 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="StockholdersEquityScheduleofCommonStockReservedforIssuanceDetails" roleURI="http://www.affirm.com/role/StockholdersEquityScheduleofCommonStockReservedforIssuanceDetails">
        <link:definition>9955578 - Disclosure - Stockholders' Equity - Schedule of 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="StockholdersEquityAdditionalInformationDetails" roleURI="http://www.affirm.com/role/StockholdersEquityAdditionalInformationDetails">
        <link:definition>9955579 - Disclosure - Stockholders' Equity - 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="EquityIncentivePlansAdditionalInformationDetails" roleURI="http://www.affirm.com/role/EquityIncentivePlansAdditionalInformationDetails">
        <link:definition>9955580 - Disclosure - Equity 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="EquityIncentivePlansScheduleofStockOptionActivityDetails" roleURI="http://www.affirm.com/role/EquityIncentivePlansScheduleofStockOptionActivityDetails">
        <link:definition>9955581 - Disclosure - Equity Incentive Plans - Schedule of 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="EquityIncentivePlansScheduleofRSUActivityDetails" roleURI="http://www.affirm.com/role/EquityIncentivePlansScheduleofRSUActivityDetails">
        <link:definition>9955582 - Disclosure - Equity Incentive Plans - Schedule of 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="EquityIncentivePlansScheduleofComponentsandClassificationofStockbasedCompensationDetails" roleURI="http://www.affirm.com/role/EquityIncentivePlansScheduleofComponentsandClassificationofStockbasedCompensationDetails">
        <link:definition>9955583 - Disclosure - Equity Incentive Plans - Schedule of 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="RestructuringandotherDetails" roleURI="http://www.affirm.com/role/RestructuringandotherDetails">
        <link:definition>9955584 - Disclosure - Restructuring and other (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="IncomeTaxesDetails" roleURI="http://www.affirm.com/role/IncomeTaxesDetails">
        <link:definition>9955585 - 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="NetIncomeLossperShareAttributabletoCommonStockholdersScheduleofBasicandDilutedNetLossPerShareDetails" roleURI="http://www.affirm.com/role/NetIncomeLossperShareAttributabletoCommonStockholdersScheduleofBasicandDilutedNetLossPerShareDetails">
        <link:definition>9955586 - Disclosure - Net Income (Loss) per Share Attributable to Common Stockholders - Schedule of 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="NetIncomeLossperShareAttributabletoCommonStockholdersScheduleofCommonStockEquivalentsExcludedfromCalculationofDilutedNetLossPerShareDetails" roleURI="http://www.affirm.com/role/NetIncomeLossperShareAttributabletoCommonStockholdersScheduleofCommonStockEquivalentsExcludedfromCalculationofDilutedNetLossPerShareDetails">
        <link:definition>9955587 - Disclosure - Net Income (Loss) per Share Attributable to Common Stockholders - Schedule of 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>
    </xs:appinfo>
  </xs:annotation>
  <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_ThirdPartyLoanOwnerPayable" abstract="false" name="ThirdPartyLoanOwnerPayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_MerchantNetworkMember" abstract="true" name="MerchantNetworkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_VirtualCardNetworkMember" abstract="true" name="VirtualCardNetworkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_ProcessingAndServicingExpense" abstract="false" name="ProcessingAndServicingExpense" 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_RestructuringChargesReversals" abstract="false" name="RestructuringChargesReversals" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_StockIssuedDuringPeriodSharesWarrantsExercised" abstract="false" name="StockIssuedDuringPeriodSharesWarrantsExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_GainLossOnChangesInFairValueOfAssetsAndLiabilities" abstract="false" name="GainLossOnChangesInFairValueOfAssetsAndLiabilities" nillable="true" xbrli:periodType="duration" 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_AmortizationOfDiscountOnAvailableForSaleSecurities" abstract="false" name="AmortizationOfDiscountOnAvailableForSaleSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_IncreaseDecreaseInThirdPartyLoanOwnerPayable" abstract="false" name="IncreaseDecreaseInThirdPartyLoanOwnerPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions" abstract="false" name="SecuritiesRetainedUnderUnconsolidatedSecuritizationTransactions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SignificantAccountingPoliciesPolicyTextBlock" abstract="false" name="SignificantAccountingPoliciesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="afrm_ScheduleOfAccruedLiabilitiesAndOtherLiabilitiesTableTextBlock" abstract="false" name="ScheduleOfAccruedLiabilitiesAndOtherLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="afrm_ScheduleOfInterestExpenseRecognizedRelatedToTheConvertibleSeniorNotesTableTextBlock" abstract="false" name="ScheduleOfInterestExpenseRecognizedRelatedToTheConvertibleSeniorNotesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="afrm_ScheduleSensitivityAnalysisOfFairValueResidualTrustCertificatesTableTextBlock" abstract="false" name="ScheduleSensitivityAnalysisOfFairValueResidualTrustCertificatesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="afrm_ScheduleOfCommonStockReservedForFutureIssuanceTableTextBlock" abstract="false" name="ScheduleOfCommonStockReservedForFutureIssuanceTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <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_AmortizationOfPremiumsFinancingReceivables" abstract="false" name="AmortizationOfPremiumsFinancingReceivables" nillable="true" xbrli:periodType="duration" 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_FinancingReceivableUnamortizedPurchasePremium" abstract="false" name="FinancingReceivableUnamortizedPurchasePremium" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_FinancingReceivableLossOnSelfOrganizingLoans" abstract="false" name="FinancingReceivableLossOnSelfOrganizingLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableAcquiredInBusinessCombinationFairValueAdjustment" abstract="false" name="FinancingReceivableAcquiredInBusinessCombinationFairValueAdjustment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestOriginatedLoans" abstract="false" name="FinancingReceivableExcludingAccruedInterestOriginatedLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableLoanTerm" abstract="false" name="FinancingReceivableLoanTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_FinancingReceivableITACCreditQualityIndicator" abstract="false" name="FinancingReceivableITACCreditQualityIndicator" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="afrm_FinancingReceivableModifiedNumberOfDeferrals" abstract="false" name="FinancingReceivableModifiedNumberOfDeferrals" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afrm_FinancingReceivableModifiedLengthOfDeferralTerm" abstract="false" name="FinancingReceivableModifiedLengthOfDeferralTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_FinancingReceivableModifiedLengthOfRemainingTermMaximum" abstract="false" name="FinancingReceivableModifiedLengthOfRemainingTermMaximum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_CreditScoreITACAxis" abstract="true" name="CreditScoreITACAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="afrm_CreditScoreITACDomain" abstract="true" name="CreditScoreITACDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_ITACScoreGreaterThan96Member" abstract="true" name="ITACScoreGreaterThan96Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_ITACScore94To96Member" abstract="true" name="ITACScore94To96Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_ITACScore90To94Member" abstract="true" name="ITACScore90To94Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_ITACScoreLessThan90Member" abstract="true" name="ITACScoreLessThan90Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_ITACScoreNoScoreMember" abstract="true" name="ITACScoreNoScoreMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_FinancingReceivableIncludingLoansHeldForSaleExcludingAccruedInterestBeforeAllowanceForCreditLoss" abstract="false" name="FinancingReceivableIncludingLoansHeldForSaleExcludingAccruedInterestBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecoveryByOriginationYearAbstract" abstract="true" name="FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecoveryByOriginationYearAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries" abstract="false" name="FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearRecoveries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffNetByOriginationYearAbstract" abstract="true" name="FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffNetByOriginationYearAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet" abstract="false" name="FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteOffRecoveriesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet" abstract="false" name="FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteOffRecoveriesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" abstract="false" name="FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" abstract="false" name="FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" abstract="false" name="FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" abstract="false" name="FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteOffRecoveriesNet" 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="dtr-types1:domainItemType"/>
  <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_FinancingReceivableAllowanceForCreditLossOther" abstract="false" name="FinancingReceivableAllowanceForCreditLossOther" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_LoanReAmortizationMember" abstract="true" name="LoanReAmortizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementAssetTypeAxis" abstract="true" name="CommercialAgreementAssetTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="afrm_CommercialAgreementAssetTypeDomain" abstract="true" name="CommercialAgreementAssetTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementAssetShopifyIncWarrantsMember" abstract="true" name="CommercialAgreementAssetShopifyIncWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_WarrantsExercisedUponVesting" abstract="false" name="WarrantsExercisedUponVesting" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_CommercialAgreementAssetAmortizationPeriod" abstract="false" name="CommercialAgreementAssetAmortizationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_AmortizationOfSalesAndMarketingExpense" abstract="false" name="AmortizationOfSalesAndMarketingExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_CommercialAgreementAssetAmortizationPeriodRemainingExpectedBenefitPeriod" abstract="false" name="CommercialAgreementAssetAmortizationPeriodRemainingExpectedBenefitPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_FurnitureAndEquipmentMember" abstract="true" name="FurnitureAndEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_MerchantRelationshipsMember" abstract="true" name="MerchantRelationshipsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_AssembledWorkforceMember" abstract="true" name="AssembledWorkforceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_TrademarksAndDomainsMember" abstract="true" name="TrademarksAndDomainsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_TrademarksLicensesAndDomainsMember" abstract="true" name="TrademarksLicensesAndDomainsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_IntangibleAssetsNetExcludingGoodwillAndNotYetPlacedIntoService" abstract="false" name="IntangibleAssetsNetExcludingGoodwillAndNotYetPlacedIntoService" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_CashDepositsProcessingReserves" abstract="false" name="CashDepositsProcessingReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_RiskSharingAsset" abstract="false" name="RiskSharingAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_PrepaidPayrollTax" abstract="false" name="PrepaidPayrollTax" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_RestrictedCashMember" abstract="true" name="RestrictedCashMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_LesseeOperatingLeaseTerminationNoticePeriod" abstract="false" name="LesseeOperatingLeaseTerminationNoticePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_RequiredCollateralAssetsPledgedAsCollateral" abstract="false" name="RequiredCollateralAssetsPledgedAsCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_USWarehouseFacilitiesMember" abstract="true" name="USWarehouseFacilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_InternationalWarehouseFacilitiesMember" abstract="true" name="InternationalWarehouseFacilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_VariableFundingNotesMember" abstract="true" name="VariableFundingNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_SalesAndRepurchaseAgreementsMember" abstract="true" name="SalesAndRepurchaseAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_FundingDebtMember" abstract="true" name="FundingDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_NotesIssuedBySecuritizationTrustsMember" abstract="true" name="NotesIssuedBySecuritizationTrustsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_ConvertibleSeniorNotesDue2026Member" abstract="true" name="ConvertibleSeniorNotesDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_ConvertibleSeniorNotesDue2029Member" abstract="true" name="ConvertibleSeniorNotesDue2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_VariableRateComponentAxis" abstract="true" name="VariableRateComponentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="afrm_VariableRateComponentDomain" abstract="true" name="VariableRateComponentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_OneMonthLondonInterbankOfferedRateLIBORMember" abstract="true" name="OneMonthLondonInterbankOfferedRateLIBORMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_TotalLineOfCreditFacilityMaximumBorrowingCapacityAndDebtInstrumentFaceAmount" abstract="false" name="TotalLineOfCreditFacilityMaximumBorrowingCapacityAndDebtInstrumentFaceAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_DebtInstrumentConversionAxis" abstract="true" name="DebtInstrumentConversionAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="afrm_DebtInstrumentConversionDomain" abstract="true" name="DebtInstrumentConversionDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_ConversionPeriodOneMember" abstract="true" name="ConversionPeriodOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_ConversionPeriodTwoMember" abstract="true" name="ConversionPeriodTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_DebtInstrumentRevolvingPeriodTermPeriodPriorToFinalMaturityDate" abstract="false" name="DebtInstrumentRevolvingPeriodTermPeriodPriorToFinalMaturityDate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_DebtInstrumentAdvanceRatePercentage" abstract="false" name="DebtInstrumentAdvanceRatePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="afrm_DebtInstrumentConvertiblePeriodFollowingThresholdConsecutiveTradingDays" abstract="false" name="DebtInstrumentConvertiblePeriodFollowingThresholdConsecutiveTradingDays" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_MinimumPercentageOfTradingPriceToLastReportedSalePrice" abstract="false" name="MinimumPercentageOfTradingPriceToLastReportedSalePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="afrm_DebtInstrumentConvertibleTradingDayObservationPeriod" abstract="false" name="DebtInstrumentConvertibleTradingDayObservationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afrm_DebtInstrumentAuthorizedRepurchaseAmount" abstract="false" name="DebtInstrumentAuthorizedRepurchaseAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_DebtInstrumentDebtRepurchasedDuringThePeriod" abstract="false" name="DebtInstrumentDebtRepurchasedDuringThePeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_DebtInstrumentRepurchasedCarryingAmount" abstract="false" name="DebtInstrumentRepurchasedCarryingAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_LongTermDebtMaturityAfterYearFour" abstract="false" name="LongTermDebtMaturityAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_WarehouseCreditFacilityMember" abstract="true" name="WarehouseCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_SecuritizationNotesReceivableAndCertificatesMember" abstract="true" name="SecuritizationNotesReceivableAndCertificatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_NonUSGovernmentAgenciesDebtSecuritiesMember" abstract="true" name="NonUSGovernmentAgenciesDebtSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_CommercialPaperAgencyBondsMember" abstract="true" name="CommercialPaperAgencyBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_OtherReceivablesMember" abstract="true" name="OtherReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_AffirmAssetSecuritizationTrust2021Z1And2021Z2NotesMember" abstract="true" name="AffirmAssetSecuritizationTrust2021Z1And2021Z2NotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_RepurchaseAgreementMember" abstract="true" name="RepurchaseAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_DebtSecuritiesAvailableForSaleAmortizedCostIncludingCreditLossAllowance" abstract="false" name="DebtSecuritiesAvailableForSaleAmortizedCostIncludingCreditLossAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ResidualTrustCertificatesAssetFairValueDisclosure" abstract="false" name="ResidualTrustCertificatesAssetFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_CommercialAgreementProfitShareLiabilityFairValueDisclosure" abstract="false" name="CommercialAgreementProfitShareLiabilityFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_RiskSharingLiability" abstract="false" name="RiskSharingLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SeniorNotesAndResidualTrustCertificatesMember" abstract="true" name="SeniorNotesAndResidualTrustCertificatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_RiskSharingArrangementMember" abstract="true" name="RiskSharingArrangementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_RiskSharingLiabilitiesMember" abstract="true" name="RiskSharingLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_RiskSharingAssetsMember" abstract="true" name="RiskSharingAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_VariableInterestEntityNotPrimaryBeneficiaryRequiredEconomicRiskRetention" abstract="false" name="VariableInterestEntityNotPrimaryBeneficiaryRequiredEconomicRiskRetention" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="afrm_LossSharingArrangementMaximumExposureToLosses" abstract="false" name="LossSharingArrangementMaximumExposureToLosses" 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="dtr-types1:domainItemType"/>
  <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_SensitivityAnalysisOfFairValueServicingAssetEffectOfFiftyPercentagePointIncreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueServicingAssetEffectOfFiftyPercentagePointIncreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueServicingAssetEffectOfTenPercentagePointIncreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueServicingAssetEffectOfTenPercentagePointIncreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueServicingAssetEffectOfTwentyPercentagePointIncreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueServicingAssetEffectOfTwentyPercentagePointIncreaseInMeasurementInput" 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_SensitivityAnalysisOfFairValueServicingLiabilityEffectOfFiftyPercentagePointIncreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueServicingLiabilityEffectOfFiftyPercentagePointIncreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueServicingLiabilityEffectOfTenPercentagePointIncreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueServicingLiabilityEffectOfTenPercentagePointIncreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueServicingLiabilityEffectOfTwentyPercentagePointIncreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueServicingLiabilityEffectOfTwentyPercentagePointIncreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_PerformanceFeeLiabilityMember" abstract="true" name="PerformanceFeeLiabilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_MeasurementInputRefundRateMember" abstract="true" name="MeasurementInputRefundRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_PerformanceFeeLiabilityMeasurementInput" abstract="false" name="PerformanceFeeLiabilityMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="afrm_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySettlementAndSales" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySettlementAndSales" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityAccruedInterest" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityAccruedInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_MeasurementInputLossRateMember" abstract="true" name="MeasurementInputLossRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_SensitivityAnalysisOfFairValueSecuritizationNotesAndResidualTrustCertificatesLiabilityEffectOfTwentyFivePercentagePointIncreaseDecreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueSecuritizationNotesAndResidualTrustCertificatesLiabilityEffectOfTwentyFivePercentagePointIncreaseDecreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueSecuritizationNotesAndResidualTrustCertificatesLiabilityEffectOfFiftyPercentagePointIncreaseDecreaseInMeasurementInput" abstract="false" name="SensitivityAnalysisOfFairValueSecuritizationNotesAndResidualTrustCertificatesLiabilityEffectOfFiftyPercentagePointIncreaseDecreaseInMeasurementInput" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_CommercialAgreementProfitShareLiabilityMember" abstract="true" name="CommercialAgreementProfitShareLiabilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityActualGainLoss" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityActualGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_MeasurementInputLossRateDifferentialMember" abstract="true" name="MeasurementInputLossRateDifferentialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf25PercentAdverseChangeInPrepaymentSpeed" abstract="false" name="SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf25PercentAdverseChangeInPrepaymentSpeed" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf50PercentAdverseChangeInPrepaymentSpeed" abstract="false" name="SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf50PercentAdverseChangeInPrepaymentSpeed" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf25PercentAdverseChangeInLossRate" abstract="false" name="SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf25PercentAdverseChangeInLossRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf50PercentAdverseChangeInLossRate" abstract="false" name="SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf50PercentAdverseChangeInLossRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf25PercentAdverseChangeInDiscountRate" abstract="false" name="SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf25PercentAdverseChangeInDiscountRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf50PercentAdverseChangeInDiscountRate" abstract="false" name="SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf50PercentAdverseChangeInDiscountRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_FinancingReceivableFairValueDisclosure" abstract="false" name="FinancingReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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-types1:domainItemType"/>
  <xs:element id="afrm_FirstWarrantSharesMember" abstract="true" name="FirstWarrantSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_SecondWarrantSharesMember" abstract="true" name="SecondWarrantSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_NumberOfClassesOfCommonStock" abstract="false" name="NumberOfClassesOfCommonStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afrm_CommonStockVotingRightsNumberOfVotes" abstract="false" name="CommonStockVotingRightsNumberOfVotes" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afrm_CommonStockConversionRatio" abstract="false" name="CommonStockConversionRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="afrm_WarrantsAndRightsOutstandingExtensionTerm" abstract="false" name="WarrantsAndRightsOutstandingExtensionTerm" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightExercised" abstract="false" name="ClassOfWarrantOrRightExercised" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_ClassOfWarrantsOrRightsAmortizationExpense" abstract="false" name="ClassOfWarrantsOrRightsAmortizationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ClassOfWarrantsOrRightsExpensesOnGrantDateFairValueOnSaleOfWarrants" abstract="false" name="ClassOfWarrantsOrRightsExpensesOnGrantDateFairValueOnSaleOfWarrants" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_AmendedAndRestated2012StockPlanMember" abstract="true" name="AmendedAndRestated2012StockPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_A2020EmployeeStockPurchasePlanMember" abstract="true" name="A2020EmployeeStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_PerformanceBasedStockOptionsMember" abstract="true" name="PerformanceBasedStockOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriodPriorToIPO" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriodPriorToIPO" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingConditions" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNumberOfVestingConditions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardPurchasePeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPurchasePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharePurchasePriceDiscountPercent" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardSharePurchasePriceDiscountPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="afrm_WeightedAverageRemainingContractualTermAbstract" abstract="true" name="WeightedAverageRemainingContractualTermAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afrm_AggregateIntrinsicValueAbstract" abstract="true" name="AggregateIntrinsicValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afrm_TechnologyAndDataAnalyticsExpenseMember" abstract="true" name="TechnologyAndDataAnalyticsExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_ProcessingAndServicingExpenseMember" abstract="true" name="ProcessingAndServicingExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="afrm_ValueCreationAwardVestedSharesMember" abstract="true" name="ValueCreationAwardVestedSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_MichaelLinfordMember" abstract="true" name="MichaelLinfordMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_MaxLevchinMember" abstract="true" name="MaxLevchinMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
