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  <xs:element id="lpro_DebtInstrumentCovenantDecreasedTotalNetLeverageRatioMaximum" abstract="false" name="DebtInstrumentCovenantDecreasedTotalNetLeverageRatioMaximum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="lpro_ClassBUnitIncentivePlanMember" abstract="true" name="ClassBUnitIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_IncreaseDecreaseInOperatingLeasesRightOfUseAssets" abstract="false" name="IncreaseDecreaseInOperatingLeasesRightOfUseAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_PerformanceBasedRestrictedStockUnitsMember" abstract="true" name="PerformanceBasedRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_ReclassificationOfTemporarySharesToPermanentEquity" abstract="false" name="ReclassificationOfTemporarySharesToPermanentEquity" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="lpro_PercentageOfTaxBenefitPayments" abstract="false" name="PercentageOfTaxBenefitPayments" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="lpro_TermLoanDue2026Member" abstract="true" name="TermLoanDue2026Member" 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_AdjustmentsToAdditionalPaidInCapitalFairValueOfContingentConsideration" abstract="false" name="AdjustmentsToAdditionalPaidInCapitalFairValueOfContingentConsideration" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ContractWithCustomerAssetAndLiabilityLineItems" abstract="true" name="ContractWithCustomerAssetAndLiabilityLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lpro_DebtInstrumentCovenantTotalNetLeverageRatioMaximum" abstract="false" name="DebtInstrumentCovenantTotalNetLeverageRatioMaximum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="lpro_StockOptionAndIncentivePlan2020Member" abstract="true" name="StockOptionAndIncentivePlan2020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_PercentOfCashSavingsRetainTheBenefit" abstract="false" name="PercentOfCashSavingsRetainTheBenefit" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="lpro_SeriesCRedeemableConvertiblePreferredStockMember" abstract="true" name="SeriesCRedeemableConvertiblePreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_DirectAndIncrementalCostsMember" abstract="true" name="DirectAndIncrementalCostsMember" 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_TaxReceivableAgreementTerminationPaymentRight" abstract="false" name="TaxReceivableAgreementTerminationPaymentRight" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_NebulaEquityHoldersMember" abstract="true" name="NebulaEquityHoldersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_ClassOfWarrantOrRightMinimumNoticePeriodForRedemption" abstract="false" name="ClassOfWarrantOrRightMinimumNoticePeriodForRedemption" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="lpro_EarnoutConsiderationMember" abstract="true" name="EarnoutConsiderationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_LockUpSharesContingentConsiderationMember" abstract="true" name="LockUpSharesContingentConsiderationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_ThreeInsurancePartnersMember" abstract="true" name="ThreeInsurancePartnersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_PaymentsForSettlementOfTaxReceivableAgreement" abstract="false" name="PaymentsForSettlementOfTaxReceivableAgreement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_TaxReceivableAgreementDisclosureAbstract" abstract="true" name="TaxReceivableAgreementDisclosureAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lpro_ProgramFeeMember" abstract="true" name="ProgramFeeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_ContractWithCustomerAssetAndLiabilityTable" abstract="true" name="ContractWithCustomerAssetAndLiabilityTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="lpro_ClassOfWarrantOrRightRedemptionThresholdTradingDays" abstract="false" name="ClassOfWarrantOrRightRedemptionThresholdTradingDays" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="lpro_ClassOfWarrantOrRightExercised" abstract="false" name="ClassOfWarrantOrRightExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="lpro_OneCustomerMember" abstract="true" name="OneCustomerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_ClassOfWarrantOrRightThresholdTradingDaysForExercise" abstract="false" name="ClassOfWarrantOrRightThresholdTradingDaysForExercise" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="lpro_ContingencyConsiderationMember" abstract="true" name="ContingencyConsiderationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_PercentOfNetCashSavingsPayable" abstract="false" name="PercentOfNetCashSavingsPayable" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="lpro_CommonClassBUnitsMember" abstract="true" name="CommonClassBUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_SeriesCPreferredUnitsMember" abstract="true" name="SeriesCPreferredUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_SeriesAAndBPreferredSharesMember" abstract="true" name="SeriesAAndBPreferredSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_DebtInstrumentCovenantFixedChargeCoverageRatioMinimum" abstract="false" name="DebtInstrumentCovenantFixedChargeCoverageRatioMinimum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="lpro_TopInsurancePartnerMember" abstract="true" name="TopInsurancePartnerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <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_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" abstract="true" name="ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lpro_NumberOfSharesRegisteredForIssuance" abstract="false" name="NumberOfSharesRegisteredForIssuance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="lpro_PercentOnNumberOfSharesOutstanding" abstract="false" name="PercentOnNumberOfSharesOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <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_TermLoanDue2027Member" abstract="true" name="TermLoanDue2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_TaxReceivableAgreementLiabilityNoncurrent" abstract="false" name="TaxReceivableAgreementLiabilityNoncurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_ClassOfWarrantOrRightRedemptionPrice" abstract="false" name="ClassOfWarrantOrRightRedemptionPrice" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:perShareItemType"/>
  <xs:element id="lpro_CommonStockSharesOutstandingSubjectToLockUpAndForfeitureArrangements" abstract="false" name="CommonStockSharesOutstandingSubjectToLockUpAndForfeitureArrangements" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="lpro_PublicStockOfferingMember" abstract="true" name="PublicStockOfferingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_ContractWithCustomerAssetEstimatedFutureIncreaseDecreaseForContractAcquiredInBusinessCombination" abstract="false" name="ContractWithCustomerAssetEstimatedFutureIncreaseDecreaseForContractAcquiredInBusinessCombination" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_ContractWithCustomerAssetNumberOfNewCertifiedLoans" abstract="false" name="ContractWithCustomerAssetNumberOfNewCertifiedLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="lpro_ShareBasedCompensationExpenseMember" abstract="true" name="ShareBasedCompensationExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_GainLossOnExtinguishmentOfTaxReceivableAgreement" abstract="false" name="GainLossOnExtinguishmentOfTaxReceivableAgreement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_DebtInstrumentMarginRate" abstract="false" name="DebtInstrumentMarginRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="lpro_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract" abstract="true" name="ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lpro_TaxReceivableAgreementMember" abstract="true" name="TaxReceivableAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_ContractWithCustomerAssetAveragePricePerLoan" abstract="false" name="ContractWithCustomerAssetAveragePricePerLoan" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_PaymentsForRecapitalizationNetOfTransactionCosts" abstract="false" name="PaymentsForRecapitalizationNetOfTransactionCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_NoncashAdjustmentToRedemptionAmountOfTheRedeemableConvertiblePreferredUnits" abstract="false" name="NoncashAdjustmentToRedemptionAmountOfTheRedeemableConvertiblePreferredUnits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_TaxReceivableAgreementTextBlock" abstract="false" name="TaxReceivableAgreementTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="lpro_NewCreditAgreementMember" abstract="true" name="NewCreditAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_ClassOfWarrantOrRightRedemptionThresholdConsecutiveTradingDays" abstract="false" name="ClassOfWarrantOrRightRedemptionThresholdConsecutiveTradingDays" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_COVID19Member" abstract="true" name="COVID19Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="lpro_PercentOfIncrementalSharesOnOutstandingCommonStock" abstract="false" name="PercentOfIncrementalSharesOnOutstandingCommonStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="lpro_CommonStockSharesIssuedSubjectToLockUpAndForfeitureArrangements" abstract="false" name="CommonStockSharesIssuedSubjectToLockUpAndForfeitureArrangements" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="lpro_CommonUnitsMember" abstract="true" name="CommonUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
</xs:schema>
