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  <xs:element id="lpro_ContractWithCustomerAssetAndLiabilityLineItems" abstract="true" name="ContractWithCustomerAssetAndLiabilityLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lpro_PaymentsReceivedFromInsuranceCarriers" abstract="false" name="PaymentsReceivedFromInsuranceCarriers" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_TermLoanDue2027Member" abstract="true" name="TermLoanDue2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_ContractWithCustomerAssetNumberOfNewCertifiedLoans" abstract="false" name="ContractWithCustomerAssetNumberOfNewCertifiedLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="lpro_SeriesAAndBPreferredSharesMember" abstract="true" name="SeriesAAndBPreferredSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_PercentageOfTaxBenefitPayments" abstract="false" name="PercentageOfTaxBenefitPayments" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="lpro_PercentOnNumberOfSharesOutstanding" abstract="false" name="PercentOnNumberOfSharesOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="lpro_TemporaryEquityFairValueAdjustmentOfRedemptionOption" abstract="false" name="TemporaryEquityFairValueAdjustmentOfRedemptionOption" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_OneCustomerMember" abstract="true" name="OneCustomerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_NebulaHoldingsLlcMember" abstract="true" name="NebulaHoldingsLlcMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_COVID19Member" abstract="true" name="COVID19Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_BonusMember" abstract="true" name="BonusMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_ContractWithCustomerAssetRollForward" abstract="true" name="ContractWithCustomerAssetRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lpro_CoronavirusOutbreakPolicyTextBlock" abstract="false" name="CoronavirusOutbreakPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="lpro_DebtInstrumentMarginRate" abstract="false" name="DebtInstrumentMarginRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="lpro_EarnoutConsiderationMember" abstract="true" name="EarnoutConsiderationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_ShareBasedCompensationExpenseMember" abstract="true" name="ShareBasedCompensationExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_EmergingGrowthCompanyPolicyTextBlock" abstract="false" name="EmergingGrowthCompanyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="lpro_TaxReceivableAgreementTerminationPaymentRight" abstract="false" name="TaxReceivableAgreementTerminationPaymentRight" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_PercentOfCashSavingsRetainTheBenefit" abstract="false" name="PercentOfCashSavingsRetainTheBenefit" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="lpro_PercentOfIncrementalSharesOnOutstandingCommonStock" abstract="false" name="PercentOfIncrementalSharesOnOutstandingCommonStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="lpro_TaxReceivableAgreementExpectedCost" abstract="false" name="TaxReceivableAgreementExpectedCost" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_SeriesCRedeemableConvertiblePreferredStockMember" abstract="true" name="SeriesCRedeemableConvertiblePreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_AccruedDistributions" abstract="false" name="AccruedDistributions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_DebtInstrumentCovenantDecreasedTotalNetLeverageRatioMaximum" abstract="false" name="DebtInstrumentCovenantDecreasedTotalNetLeverageRatioMaximum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="lpro_TaxReceivableAgreementMember" abstract="true" name="TaxReceivableAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_PaymentsOfDeferredFinancingsCosts" abstract="false" name="PaymentsOfDeferredFinancingsCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_ContractWithCustomerAssetPricePerLoan" abstract="false" name="ContractWithCustomerAssetPricePerLoan" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_DebtInstrumentLIBORFloorRate" abstract="false" name="DebtInstrumentLIBORFloorRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="lpro_IncreaseDecreaseInOperatingLeaseLiability" abstract="false" name="IncreaseDecreaseInOperatingLeaseLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_PerformanceBasedRestrictedStockUnitsMember" abstract="true" name="PerformanceBasedRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_TimeBasedRestrictedStockUnitsMember" abstract="true" name="TimeBasedRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_CommonUnitsMember" abstract="true" name="CommonUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_SaleOfStockPurchasePeriod" abstract="false" name="SaleOfStockPurchasePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="lpro_FairValueAdjustmentOfRedemptionOption" abstract="false" name="FairValueAdjustmentOfRedemptionOption" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_SaleOfStockMaximumSharesAuthorized" abstract="false" name="SaleOfStockMaximumSharesAuthorized" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="lpro_AccruedDeferredFinancingCosts" abstract="false" name="AccruedDeferredFinancingCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_DebtInstrumentCovenantTotalNetLeverageRatioMaximum" abstract="false" name="DebtInstrumentCovenantTotalNetLeverageRatioMaximum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="lpro_TpaFeeMember" abstract="true" name="TpaFeeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_AccruedIntangibleAssetsCosts" abstract="false" name="AccruedIntangibleAssetsCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" abstract="true" name="ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lpro_TwoInsurancePartnersMember" abstract="true" name="TwoInsurancePartnersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum: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_PercentOfNetCashSavingsPayable" abstract="false" name="PercentOfNetCashSavingsPayable" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="lpro_PublicStockOfferingMember" abstract="true" name="PublicStockOfferingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_NewCreditAgreementMember" abstract="true" name="NewCreditAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_StockOptionAndIncentivePlan2020Member" abstract="true" name="StockOptionAndIncentivePlan2020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_TermLoanDue2026Member" abstract="true" name="TermLoanDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_CommonClassBUnitsMember" abstract="true" name="CommonClassBUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
</xs:schema>
