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

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:18c3ec8b-bc14-4b13-8b9a-b232429c86f5,g:e3076fdc-2551-49f8-9eda-325ccc5e9902-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/CondensedConsolidatedBalanceSheets" xlink:type="simple" xlink:href="lpro-20240630.xsd#CondensedConsolidatedBalanceSheets"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/CondensedConsolidatedBalanceSheets" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_0a943372-c9ee-4326-8adc-be585d31fb96" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_680529bb-7eb8-47c8-9e9d-11d2cca5bf5b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_0a943372-c9ee-4326-8adc-be585d31fb96" xlink:to="loc_us-gaap_Liabilities_680529bb-7eb8-47c8-9e9d-11d2cca5bf5b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_b384ff9a-114e-46b4-8094-8c382d8dbf4b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_0a943372-c9ee-4326-8adc-be585d31fb96" xlink:to="loc_us-gaap_StockholdersEquity_b384ff9a-114e-46b4-8094-8c382d8dbf4b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_598951e4-0d24-43ea-88db-28063dfbc475" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_561fd9a8-4e01-40e7-9c2b-945505f8c6a6" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PreferredStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_598951e4-0d24-43ea-88db-28063dfbc475" xlink:to="loc_us-gaap_PreferredStockValue_561fd9a8-4e01-40e7-9c2b-945505f8c6a6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_a8a11997-9e11-4716-9bd8-b11e2c3aac35" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_598951e4-0d24-43ea-88db-28063dfbc475" xlink:to="loc_us-gaap_CommonStockValue_a8a11997-9e11-4716-9bd8-b11e2c3aac35" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_7cbc9082-8fd2-47a8-bfeb-2ec0e971d798" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_598951e4-0d24-43ea-88db-28063dfbc475" xlink:to="loc_us-gaap_AdditionalPaidInCapital_7cbc9082-8fd2-47a8-bfeb-2ec0e971d798" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_2307e1e9-e3ff-4ac9-8411-68f12587d52c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_598951e4-0d24-43ea-88db-28063dfbc475" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_2307e1e9-e3ff-4ac9-8411-68f12587d52c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_57ad537f-73cc-493e-a769-d3fc23648a28" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_598951e4-0d24-43ea-88db-28063dfbc475" xlink:to="loc_us-gaap_TreasuryStockCommonValue_57ad537f-73cc-493e-a769-d3fc23648a28" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_82b4288d-aebd-4443-ad9c-4ed52103bbba" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityNoncurrent_0764261d-e03e-485c-ab1e-86b36cd4d77d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingLeaseLiabilityNoncurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_82b4288d-aebd-4443-ad9c-4ed52103bbba" xlink:to="loc_us-gaap_OperatingLeaseLiabilityNoncurrent_0764261d-e03e-485c-ab1e-86b36cd4d77d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermNotesPayable_90a87f58-11ba-4098-851b-a614c28213ec" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermNotesPayable"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_82b4288d-aebd-4443-ad9c-4ed52103bbba" xlink:to="loc_us-gaap_LongTermNotesPayable_90a87f58-11ba-4098-851b-a614c28213ec" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesCurrent_8675c385-9b8f-4a40-bd00-01a270344afa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_82b4288d-aebd-4443-ad9c-4ed52103bbba" xlink:to="loc_us-gaap_LiabilitiesCurrent_8675c385-9b8f-4a40-bd00-01a270344afa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesNoncurrent_32a8b0e6-5d4e-4a6f-a91a-9c4cc58d394d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherLiabilitiesNoncurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_82b4288d-aebd-4443-ad9c-4ed52103bbba" xlink:to="loc_us-gaap_OtherLiabilitiesNoncurrent_32a8b0e6-5d4e-4a6f-a91a-9c4cc58d394d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesCurrent_0fa0a4d2-181a-4407-9e8c-aaca33d3a1bf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableCurrent_cbce9af6-ed25-46f5-b53d-5930984148c3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsPayableCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_0fa0a4d2-181a-4407-9e8c-aaca33d3a1bf" xlink:to="loc_us-gaap_AccountsPayableCurrent_cbce9af6-ed25-46f5-b53d-5930984148c3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesPayableCurrent_481d37a9-986d-4154-95af-b3dacb94fae5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NotesPayableCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_0fa0a4d2-181a-4407-9e8c-aaca33d3a1bf" xlink:to="loc_us-gaap_NotesPayableCurrent_481d37a9-986d-4154-95af-b3dacb94fae5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesCurrent_11152f9c-c2f1-4179-a443-7a380c2297f3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherLiabilitiesCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_0fa0a4d2-181a-4407-9e8c-aaca33d3a1bf" xlink:to="loc_us-gaap_OtherLiabilitiesCurrent_11152f9c-c2f1-4179-a443-7a380c2297f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_lpro_LiabilityForClaimsAndClaimsAdjustmentExpenseCurrent_19f98b96-41d1-4ea4-a583-cbd417444287" xlink:href="lpro-20240630.xsd#lpro_LiabilityForClaimsAndClaimsAdjustmentExpenseCurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_0fa0a4d2-181a-4407-9e8c-aaca33d3a1bf" xlink:to="loc_lpro_LiabilityForClaimsAndClaimsAdjustmentExpenseCurrent_19f98b96-41d1-4ea4-a583-cbd417444287" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesCurrent_17c59305-10c3-448a-b9ed-1df231b3a6a4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccruedLiabilitiesCurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesCurrent_0fa0a4d2-181a-4407-9e8c-aaca33d3a1bf" xlink:to="loc_us-gaap_AccruedLiabilitiesCurrent_17c59305-10c3-448a-b9ed-1df231b3a6a4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_8661972b-aecf-4f7f-b0af-8af1f258d821" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrent_29cdc9aa-346b-4e40-a83d-0a1057c873c8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_8661972b-aecf-4f7f-b0af-8af1f258d821" xlink:to="loc_us-gaap_AssetsCurrent_29cdc9aa-346b-4e40-a83d-0a1057c873c8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_c77a632b-9151-486f-9f19-c4fd256541c2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_8661972b-aecf-4f7f-b0af-8af1f258d821" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_c77a632b-9151-486f-9f19-c4fd256541c2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_ab9b2c84-55f5-423a-97d4-505271815fbf" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_8661972b-aecf-4f7f-b0af-8af1f258d821" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_ab9b2c84-55f5-423a-97d4-505271815fbf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractWithCustomerAssetNetNoncurrent_bb9128ad-fc5f-43ac-aea5-52ac8391885d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ContractWithCustomerAssetNetNoncurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_8661972b-aecf-4f7f-b0af-8af1f258d821" xlink:to="loc_us-gaap_ContractWithCustomerAssetNetNoncurrent_bb9128ad-fc5f-43ac-aea5-52ac8391885d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet_267539a9-d3b4-47d3-939e-882775940f05" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_8661972b-aecf-4f7f-b0af-8af1f258d821" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet_267539a9-d3b4-47d3-939e-882775940f05" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsNoncurrent_ad4412ea-ccb9-4f46-adb2-ea2eec50913b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssetsNoncurrent"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_8661972b-aecf-4f7f-b0af-8af1f258d821" xlink:to="loc_us-gaap_OtherAssetsNoncurrent_ad4412ea-ccb9-4f46-adb2-ea2eec50913b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrent_7c7355ba-4f3e-4f3b-83e4-674b3fb01a35" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_7f0de039-1940-4016-b595-5a2371aec23b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_7c7355ba-4f3e-4f3b-83e4-674b3fb01a35" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_7f0de039-1940-4016-b595-5a2371aec23b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashCurrent_404b9093-7128-4cfc-a9c6-e732409fcef1" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RestrictedCashCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_7c7355ba-4f3e-4f3b-83e4-674b3fb01a35" xlink:to="loc_us-gaap_RestrictedCashCurrent_404b9093-7128-4cfc-a9c6-e732409fcef1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNetCurrent_2a924bd7-b68b-47f6-92ac-18a28bb03ba3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AccountsReceivableNetCurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_7c7355ba-4f3e-4f3b-83e4-674b3fb01a35" xlink:to="loc_us-gaap_AccountsReceivableNetCurrent_2a924bd7-b68b-47f6-92ac-18a28bb03ba3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractWithCustomerAssetNetCurrent_25fbcd41-7c23-4d48-b957-726ec674cd97" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ContractWithCustomerAssetNetCurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_7c7355ba-4f3e-4f3b-83e4-674b3fb01a35" xlink:to="loc_us-gaap_ContractWithCustomerAssetNetCurrent_25fbcd41-7c23-4d48-b957-726ec674cd97" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsCurrent_82f15d8d-f3e2-4b80-ad71-5c8531c0471b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherAssetsCurrent"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_7c7355ba-4f3e-4f3b-83e4-674b3fb01a35" xlink:to="loc_us-gaap_OtherAssetsCurrent_82f15d8d-f3e2-4b80-ad71-5c8531c0471b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesReceivable_9ddd95ab-ab8a-41f6-9393-df3fa62664ce" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxesReceivable"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent_7c7355ba-4f3e-4f3b-83e4-674b3fb01a35" xlink:to="loc_us-gaap_IncomeTaxesReceivable_9ddd95ab-ab8a-41f6-9393-df3fa62664ce" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/CondensedConsolidatedStatementsofOperations" xlink:type="simple" xlink:href="lpro-20240630.xsd#CondensedConsolidatedStatementsofOperations"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/CondensedConsolidatedStatementsofOperations" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_4a2bc805-6ac8-4abb-b596-dbd60c263671" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_bffdc79f-2f1d-4b84-b89c-a8e7e0de2d4d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_4a2bc805-6ac8-4abb-b596-dbd60c263671" xlink:to="loc_us-gaap_OperatingIncomeLoss_bffdc79f-2f1d-4b84-b89c-a8e7e0de2d4d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseNonoperating_8749eaa3-7d66-4e32-94fe-46c337a48f8d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InterestExpenseNonoperating"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_4a2bc805-6ac8-4abb-b596-dbd60c263671" xlink:to="loc_us-gaap_InterestExpenseNonoperating_8749eaa3-7d66-4e32-94fe-46c337a48f8d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInterest_a6983cc4-d353-4866-bd79-7ea94bb88034" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_InvestmentIncomeInterest"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_4a2bc805-6ac8-4abb-b596-dbd60c263671" xlink:to="loc_us-gaap_InvestmentIncomeInterest_a6983cc4-d353-4866-bd79-7ea94bb88034" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_81e45b3f-dc02-4ae0-a23d-51ec327ea408" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_4a2bc805-6ac8-4abb-b596-dbd60c263671" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_81e45b3f-dc02-4ae0-a23d-51ec327ea408" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossProfit_6c05b990-c1db-42d5-aa8a-ca8f1fb7cb69" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GrossProfit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_c85d21cf-07d6-4e35-9ef5-10640bac401c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_GrossProfit_6c05b990-c1db-42d5-aa8a-ca8f1fb7cb69" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_c85d21cf-07d6-4e35-9ef5-10640bac401c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostOfGoodsAndServicesSold_3d8bfc0f-ac28-4d92-80cc-9ea6c7ae8002" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CostOfGoodsAndServicesSold"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_GrossProfit_6c05b990-c1db-42d5-aa8a-ca8f1fb7cb69" xlink:to="loc_us-gaap_CostOfGoodsAndServicesSold_3d8bfc0f-ac28-4d92-80cc-9ea6c7ae8002" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_18e29272-2192-4812-91a8-581feb8193eb" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_2b9c3ba0-b73b-414a-99ae-6ba285340ed4" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_18e29272-2192-4812-91a8-581feb8193eb" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_2b9c3ba0-b73b-414a-99ae-6ba285340ed4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_feb94ec7-3992-4df4-a907-e35b9cdfbfe0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_18e29272-2192-4812-91a8-581feb8193eb" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_feb94ec7-3992-4df4-a907-e35b9cdfbfe0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_b22f7ca9-a69e-420a-9789-fe52b2ab00e5" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_8a046849-1bf4-4f5b-a122-5a4005ffd980" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingExpenses"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingIncomeLoss_b22f7ca9-a69e-420a-9789-fe52b2ab00e5" xlink:to="loc_us-gaap_OperatingExpenses_8a046849-1bf4-4f5b-a122-5a4005ffd980" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossProfit_713349c4-57d5-4960-82bb-0cf2597f476c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GrossProfit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingIncomeLoss_b22f7ca9-a69e-420a-9789-fe52b2ab00e5" xlink:to="loc_us-gaap_GrossProfit_713349c4-57d5-4960-82bb-0cf2597f476c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_feaa6688-0c15-42c8-ad3d-dc08631529a8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResearchAndDevelopmentExpense_676af0c1-5e02-4c7e-bb3e-014b54363f07" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ResearchAndDevelopmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_feaa6688-0c15-42c8-ad3d-dc08631529a8" xlink:to="loc_us-gaap_ResearchAndDevelopmentExpense_676af0c1-5e02-4c7e-bb3e-014b54363f07" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpense_4da1451f-14df-4569-99bd-7ef74cb76e41" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SellingAndMarketingExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_feaa6688-0c15-42c8-ad3d-dc08631529a8" xlink:to="loc_us-gaap_SellingAndMarketingExpense_4da1451f-14df-4569-99bd-7ef74cb76e41" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_0116aafe-0b63-4987-a86f-c86b882c401c" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_feaa6688-0c15-42c8-ad3d-dc08631529a8" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_0116aafe-0b63-4987-a86f-c86b882c401c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/CondensedConsolidatedStatementsofCashFlows" xlink:type="simple" xlink:href="lpro-20240630.xsd#CondensedConsolidatedStatementsofCashFlows"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/CondensedConsolidatedStatementsofCashFlows" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_6e4bb618-d764-4e90-8e7a-fe99e85a6d4e" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_203b4826-eaf9-4b62-b9bc-fe33b35539a3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_6e4bb618-d764-4e90-8e7a-fe99e85a6d4e" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_203b4826-eaf9-4b62-b9bc-fe33b35539a3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToDevelopSoftware_bc5b7adc-f4aa-4423-b9a6-cf30a15ec548" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsToDevelopSoftware"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_6e4bb618-d764-4e90-8e7a-fe99e85a6d4e" xlink:to="loc_us-gaap_PaymentsToDevelopSoftware_bc5b7adc-f4aa-4423-b9a6-cf30a15ec548" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_73bb8d52-fc7e-45f1-a4f7-c9782166c500" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_c18ae283-d2bf-4ba9-978f-b4ca51f9a81a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_73bb8d52-fc7e-45f1-a4f7-c9782166c500" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_c18ae283-d2bf-4ba9-978f-b4ca51f9a81a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_7cfacc37-5d28-49e3-bfd0-b8a1903723f0" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_73bb8d52-fc7e-45f1-a4f7-c9782166c500" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_7cfacc37-5d28-49e3-bfd0-b8a1903723f0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_7d535a3a-a6b1-4853-8faf-e4d17d38ecdd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_73bb8d52-fc7e-45f1-a4f7-c9782166c500" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_7d535a3a-a6b1-4853-8faf-e4d17d38ecdd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayableTrade_e9bb46f1-0389-4188-93bb-d3e37f93e37d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInAccountsPayableTrade"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsPayableTrade_e9bb46f1-0389-4188-93bb-d3e37f93e37d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_d4c78eb9-4c43-498d-a985-bdc770b05dfc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_NetIncomeLoss_d4c78eb9-4c43-498d-a985-bdc770b05dfc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_8e43f907-8407-4fc2-921e-2d904463d01f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_8e43f907-8407-4fc2-921e-2d904463d01f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_901b0c83-f6cd-456d-b0ad-0a7bb9de5eae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_901b0c83-f6cd-456d-b0ad-0a7bb9de5eae" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInContractWithCustomerAsset_636d939a-bfb6-48d1-ad09-9057cd92fd84" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInContractWithCustomerAsset"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_IncreaseDecreaseInContractWithCustomerAsset_636d939a-bfb6-48d1-ad09-9057cd92fd84" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_0170c858-9799-4465-b2e8-184c2f143e22" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_0170c858-9799-4465-b2e8-184c2f143e22" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_26e2cc06-e5f4-4dd0-b07a-33d4a4854ae2" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_ShareBasedCompensation_26e2cc06-e5f4-4dd0-b07a-33d4a4854ae2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingLeaseLiability_de8fe849-86e3-4e3f-98ed-28c34130d978" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOperatingLeaseLiability"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingLeaseLiability_de8fe849-86e3-4e3f-98ed-28c34130d978" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_95e4ef0e-bcdb-4f83-b944-84db737b2246" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_95e4ef0e-bcdb-4f83-b944-84db737b2246" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_8b76bc54-79ee-4afa-ab57-3461073f5cd8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_8b76bc54-79ee-4afa-ab57-3461073f5cd8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAssetAmortizationExpense_a6fc59c6-c77e-47b0-a371-eda889af6300" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_OperatingLeaseRightOfUseAssetAmortizationExpense"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAssetAmortizationExpense_a6fc59c6-c77e-47b0-a371-eda889af6300" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_784e04cd-064c-46ed-a11b-f57e7766b242" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_784e04cd-064c-46ed-a11b-f57e7766b242" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve_93dbf885-f835-44cc-a4b9-6b0460d4eebc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve_93dbf885-f835-44cc-a4b9-6b0460d4eebc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_65153689-f575-4162-a835-d6b0b0a7591a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilities"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_65153689-f575-4162-a835-d6b0b0a7591a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCosts_de23356f-0b2a-48c1-bb00-12e89aa4d35d" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AmortizationOfFinancingCosts"/>
    <link:calculationArc order="15" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_AmortizationOfFinancingCosts_de23356f-0b2a-48c1-bb00-12e89aa4d35d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromOtherOperatingActivities_268ca4b0-ab0c-4a25-8839-ff3a7ecbb88a" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ProceedsFromOtherOperatingActivities"/>
    <link:calculationArc order="16" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_379e04be-0af6-419c-ae5c-080083161b33" xlink:to="loc_us-gaap_ProceedsFromOtherOperatingActivities_268ca4b0-ab0c-4a25-8839-ff3a7ecbb88a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_20c94342-7d11-4a1c-9e2b-0727ed20e1bd" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_fed8512c-13e5-4f3c-bb16-a5e5acdaf721" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_20c94342-7d11-4a1c-9e2b-0727ed20e1bd" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_fed8512c-13e5-4f3c-bb16-a5e5acdaf721" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_12c11b38-c62e-4ffe-ae1f-232bb6a394dc" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_20c94342-7d11-4a1c-9e2b-0727ed20e1bd" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_12c11b38-c62e-4ffe-ae1f-232bb6a394dc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfNotesPayable_bdb06c5c-30d0-4bc7-a3b9-64baef97d370" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_RepaymentsOfNotesPayable"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_20c94342-7d11-4a1c-9e2b-0727ed20e1bd" xlink:to="loc_us-gaap_RepaymentsOfNotesPayable_bdb06c5c-30d0-4bc7-a3b9-64baef97d370" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/LongtermDebtSummaryofDebtDetails" xlink:type="simple" xlink:href="lpro-20240630.xsd#LongtermDebtSummaryofDebtDetails"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/LongtermDebtSummaryofDebtDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_fa28fe01-d074-43b7-8121-ef0e267eb365" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtCurrent_9a8c6169-0a6b-4402-8740-f20e4c0bb1ae" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_fa28fe01-d074-43b7-8121-ef0e267eb365" xlink:to="loc_us-gaap_LongTermDebtCurrent_9a8c6169-0a6b-4402-8740-f20e4c0bb1ae" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtNoncurrent_8a96bf76-b0ad-48b9-bfb8-6e78d8d3cc84" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebtNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_fa28fe01-d074-43b7-8121-ef0e267eb365" xlink:to="loc_us-gaap_LongTermDebtNoncurrent_8a96bf76-b0ad-48b9-bfb8-6e78d8d3cc84" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/LongtermDebtSummaryofDebtDetails_1" xlink:type="simple" xlink:href="lpro-20240630.xsd#LongtermDebtSummaryofDebtDetails_1"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/LongtermDebtSummaryofDebtDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_c10a5af8-8669-4dd9-9427-27cbe0baecc8" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_e7c25a71-ea53-4088-8e4d-a99d167a3133" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_c10a5af8-8669-4dd9-9427-27cbe0baecc8" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_e7c25a71-ea53-4088-8e4d-a99d167a3133" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_54b32324-2a0d-4bd7-a3e1-3b410c6e290f" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DeferredFinanceCostsNet"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_c10a5af8-8669-4dd9-9427-27cbe0baecc8" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_54b32324-2a0d-4bd7-a3e1-3b410c6e290f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/NetIncomeperShareSummaryofEarningsPerShareDetails" xlink:type="simple" xlink:href="lpro-20240630.xsd#NetIncomeperShareSummaryofEarningsPerShareDetails"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/NetIncomeperShareSummaryofEarningsPerShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_ae470fbb-5e54-4640-9c08-c5d6f1ca98a3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_5106b7c8-53f9-4c3f-89ec-671473d811d3" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_ae470fbb-5e54-4640-9c08-c5d6f1ca98a3" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_5106b7c8-53f9-4c3f-89ec-671473d811d3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_ab6f623a-bfaa-4ec4-bf66-6a7320af3c70" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_ae470fbb-5e54-4640-9c08-c5d6f1ca98a3" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_ab6f623a-bfaa-4ec4-bf66-6a7320af3c70" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/FairValueofFinancialInstrumentsAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" xlink:type="simple" xlink:href="lpro-20240630.xsd#FairValueofFinancialInstrumentsAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/FairValueofFinancialInstrumentsAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_545e7735-e068-4331-ab37-a0e4137180fa" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_ab1ce9a0-509d-47df-aa6b-e38e36f57645" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_545e7735-e068-4331-ab37-a0e4137180fa" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_ab1ce9a0-509d-47df-aa6b-e38e36f57645" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/FairValueofFinancialInstrumentsSummaryofFairValueAssetsandLiabilitiesMeasuredonRecurringBasisDetails" xlink:type="simple" xlink:href="lpro-20240630.xsd#FairValueofFinancialInstrumentsSummaryofFairValueAssetsandLiabilitiesMeasuredonRecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/FairValueofFinancialInstrumentsSummaryofFairValueAssetsandLiabilitiesMeasuredonRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_7c36b546-be91-40f4-9309-4b5d0fb02c0b" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFairValue_ab262830-9284-4b46-96aa-5e52fe2c4fee" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_DebtInstrumentFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_7c36b546-be91-40f4-9309-4b5d0fb02c0b" xlink:to="loc_us-gaap_DebtInstrumentFairValue_ab262830-9284-4b46-96aa-5e52fe2c4fee" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
