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  <xs:element id="lpro_FiscalQuarterEndingAfterJune302024Member" abstract="true" name="FiscalQuarterEndingAfterJune302024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_DebtInstrumentVariableRatePercentage" abstract="false" name="DebtInstrumentVariableRatePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="lpro_DebtInstrumentCovenantTotalNetLeverageRatioMaximum" abstract="false" name="DebtInstrumentCovenantTotalNetLeverageRatioMaximum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="lpro_DebtInstrumentCovenantFixedChargeCoverageRatioMinimum" abstract="false" name="DebtInstrumentCovenantFixedChargeCoverageRatioMinimum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="lpro_TimeBasedRestrictedStockUnitsMember" abstract="true" name="TimeBasedRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_PerformanceBasedRestrictedStockUnitsMember" abstract="true" name="PerformanceBasedRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTable" abstract="true" name="ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="lpro_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" abstract="true" name="ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lpro_ReportableSegmentMember" abstract="true" name="ReportableSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_CostEmployeeCompensationAndBenefits" abstract="false" name="CostEmployeeCompensationAndBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_CostShareBasedPaymentArrangementExpense" abstract="false" name="CostShareBasedPaymentArrangementExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_ModificationOfCompensationRightsExpense" abstract="false" name="ModificationOfCompensationRightsExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_ShareholderClassActionLawsuitMember" abstract="true" name="ShareholderClassActionLawsuitMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_PaymentsOnAmendmentOfResellerAgreement" abstract="false" name="PaymentsOnAmendmentOfResellerAgreement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
