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  <xs:element id="lpro_BusinessCombinationContingentConsiderationMilestonePeriod" abstract="false" name="BusinessCombinationContingentConsiderationMilestonePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="lpro_OtherInstitutionalInvestorsMember" abstract="true" name="OtherInstitutionalInvestorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_DebtInstrumentCovenantTotalNetLeverageRatioMaximum" abstract="false" name="DebtInstrumentCovenantTotalNetLeverageRatioMaximum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="lpro_DeferredTaxLiabilitiesContractAssets" abstract="false" name="DeferredTaxLiabilitiesContractAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_StockTriggeringPriceThreeMember" abstract="true" name="StockTriggeringPriceThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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_TemporaryEquityFairValueAdjustmentOfRedemptionOption" abstract="false" name="TemporaryEquityFairValueAdjustmentOfRedemptionOption" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_TaxReceivableAgreementTextBlock" abstract="false" name="TaxReceivableAgreementTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="lpro_TaxReceivableAgreementPercentOfCashSavingsRetainTheBenefit" abstract="false" name="TaxReceivableAgreementPercentOfCashSavingsRetainTheBenefit" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="lpro_VolumeWeightedAveragePriceDomain" abstract="true" name="VolumeWeightedAveragePriceDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_ContingentConsiderationTable" abstract="true" name="ContingentConsiderationTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="lpro_TermLoanDue2026Member" abstract="true" name="TermLoanDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_PreferredUnitsIssuedAndOutstanding" abstract="false" name="PreferredUnitsIssuedAndOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_CommonStockSharesIssuedOrReleased" abstract="false" name="CommonStockSharesIssuedOrReleased" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="lpro_DefinedContributionPlanMinimumDaysOfServiceRequiredForParticipation" abstract="false" name="DefinedContributionPlanMinimumDaysOfServiceRequiredForParticipation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="lpro_DebtInstrumentCovenantFixedChargeCoverageRatioMinimum" abstract="false" name="DebtInstrumentCovenantFixedChargeCoverageRatioMinimum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="lpro_DeferredTaxAssetsOperatingLeaseLiability" abstract="false" name="DeferredTaxAssetsOperatingLeaseLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_OpenLendingLLCMember" abstract="true" name="OpenLendingLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_LockUpSharesMember" abstract="true" name="LockUpSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_ClassOfWarrantOrRightExercised" abstract="false" name="ClassOfWarrantOrRightExercised" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="lpro_NebulaMember" abstract="true" name="NebulaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_FederalNetOperatingLossCarrybackToPreviousTaxRateYearsCARESAct" abstract="false" name="FederalNetOperatingLossCarrybackToPreviousTaxRateYearsCARESAct" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_LockUpSharesContingentConsiderationMember" abstract="true" name="LockUpSharesContingentConsiderationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_CommitmentToIssueShares" abstract="false" name="CommitmentToIssueShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="lpro_ReclassificationOfTemporarySharesToPermanentEquity" abstract="false" name="ReclassificationOfTemporarySharesToPermanentEquity" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="lpro_TaxReceivableAgreementMember" abstract="true" name="TaxReceivableAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_StockOptionAndIncentivePlan2020Member" abstract="true" name="StockOptionAndIncentivePlan2020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lpro_InsurancePartnerTwoMember" abstract="true" name="InsurancePartnerTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_TemporaryEquitySharesEliminatedAsPartOfReorganization" abstract="false" name="TemporaryEquitySharesEliminatedAsPartOfReorganization" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="lpro_BusinessCombinationConsecutiveThresholdTradingDays" abstract="false" name="BusinessCombinationConsecutiveThresholdTradingDays" 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="dtr-types:domainItemType"/>
  <xs:element id="lpro_DebtInstrumentLIBORFloorRate" abstract="false" name="DebtInstrumentLIBORFloorRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="lpro_CommonUnitsMember" abstract="true" name="CommonUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_SeriesCPreferredUnitsMember" abstract="true" name="SeriesCPreferredUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_ContingencyConsiderationMember" abstract="true" name="ContingencyConsiderationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_TreasuryStockPolicyTextBlock" abstract="false" name="TreasuryStockPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <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_ClassOfWarrantOrRightMinimumNoticePeriodForRedemption" abstract="false" name="ClassOfWarrantOrRightMinimumNoticePeriodForRedemption" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="lpro_PreferredStockConvertibleUnitConversionThresholdPercentage" abstract="false" name="PreferredStockConvertibleUnitConversionThresholdPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="lpro_TpaFeeMember" abstract="true" name="TpaFeeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_DefinedContributionPlanMinimumEmployeeAgeRequirementForParticipation" abstract="false" name="DefinedContributionPlanMinimumEmployeeAgeRequirementForParticipation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="lpro_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" abstract="true" name="ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="lpro_SeriesBNonRedeemableConvertiblePreferredStockMember" abstract="true" name="SeriesBNonRedeemableConvertiblePreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="lpro_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsConstantMaturityTreasuryRateExpectedTerm" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsConstantMaturityTreasuryRateExpectedTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="lpro_AssetsAndLiabilitiesLesseeTableTextBlock" abstract="false" name="AssetsAndLiabilitiesLesseeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="lpro_TaxReceivableAgreementPercentOfNetCashSavingsPayable" abstract="false" name="TaxReceivableAgreementPercentOfNetCashSavingsPayable" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="lpro_OperatingLeaseRightOfUseAssetAccumulatedAmortization" abstract="false" name="OperatingLeaseRightOfUseAssetAccumulatedAmortization" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_LiabilityForClaimsAndClaimsAdjustmentExpenseCurrent" abstract="false" name="LiabilityForClaimsAndClaimsAdjustmentExpenseCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="lpro_NebulaHoldingsLlcMember" abstract="true" name="NebulaHoldingsLlcMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
