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

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2022 Workiva-->
<!--r:384bfb09-dd5c-4d26-849f-8911d29a8cd2,g:1c285b33-3f5d-4cb5-80b1-e7fedcd77aa7-->
<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-20220930.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_LiabilitiesCurrent_d0013b72-1f3d-4dfd-9b5c-8a2423516bf9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilitiesCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableCurrent_715f0cc7-9691-4b5e-9b3a-4b295b4f79cb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_d0013b72-1f3d-4dfd-9b5c-8a2423516bf9" xlink:to="loc_us-gaap_AccountsPayableCurrent_715f0cc7-9691-4b5e-9b3a-4b295b4f79cb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesPayableCurrent_9e6e1fec-9231-45e8-b490-fec75d93579b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_d0013b72-1f3d-4dfd-9b5c-8a2423516bf9" xlink:to="loc_us-gaap_NotesPayableCurrent_9e6e1fec-9231-45e8-b490-fec75d93579b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesCurrent_9efee352-6923-4c3d-86f6-fe4d9e07af75" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_d0013b72-1f3d-4dfd-9b5c-8a2423516bf9" xlink:to="loc_us-gaap_OtherLiabilitiesCurrent_9efee352-6923-4c3d-86f6-fe4d9e07af75" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_lpro_LiabilityForClaimsAndClaimsAdjustmentExpenseCurrent_4a0c6aa6-e983-4308-9fe6-25a69a715812" xlink:href="lpro-20220930.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_d0013b72-1f3d-4dfd-9b5c-8a2423516bf9" xlink:to="loc_lpro_LiabilityForClaimsAndClaimsAdjustmentExpenseCurrent_4a0c6aa6-e983-4308-9fe6-25a69a715812" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesCurrent_e45e66d6-fd6c-4397-8b08-c63dbc18d78c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_d0013b72-1f3d-4dfd-9b5c-8a2423516bf9" xlink:to="loc_us-gaap_AccruedLiabilitiesCurrent_e45e66d6-fd6c-4397-8b08-c63dbc18d78c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrent_d014761d-421e-4c58-aa7c-ca3bb0d7e2c6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetsCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_7ab5d840-9303-4691-b9f0-c04a293584f9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_d014761d-421e-4c58-aa7c-ca3bb0d7e2c6" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_7ab5d840-9303-4691-b9f0-c04a293584f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashCurrent_dd4ffef8-a779-4fc2-913c-5a4779add3ec" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_d014761d-421e-4c58-aa7c-ca3bb0d7e2c6" xlink:to="loc_us-gaap_RestrictedCashCurrent_dd4ffef8-a779-4fc2-913c-5a4779add3ec" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsReceivableNetCurrent_60bb6aec-e6f2-45b2-b470-e837b2d1cd09" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_d014761d-421e-4c58-aa7c-ca3bb0d7e2c6" xlink:to="loc_us-gaap_AccountsReceivableNetCurrent_60bb6aec-e6f2-45b2-b470-e837b2d1cd09" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractWithCustomerAssetNetCurrent_2a795eaf-194c-4db5-b962-ffb937145de9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_d014761d-421e-4c58-aa7c-ca3bb0d7e2c6" xlink:to="loc_us-gaap_ContractWithCustomerAssetNetCurrent_2a795eaf-194c-4db5-b962-ffb937145de9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsCurrent_7714375d-e9c8-4598-9441-c77f19a2fa8d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_d014761d-421e-4c58-aa7c-ca3bb0d7e2c6" xlink:to="loc_us-gaap_OtherAssetsCurrent_7714375d-e9c8-4598-9441-c77f19a2fa8d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesReceivable_7d087a0a-683e-4c27-ac01-4f7a97d88bf4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_d014761d-421e-4c58-aa7c-ca3bb0d7e2c6" xlink:to="loc_us-gaap_IncomeTaxesReceivable_7d087a0a-683e-4c27-ac01-4f7a97d88bf4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_eabd718a-2f41-4ad6-8832-e423668e6364" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesCurrent_bbcd2ac5-1083-4701-a04e-c796c00aafd0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilitiesCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_eabd718a-2f41-4ad6-8832-e423668e6364" xlink:to="loc_us-gaap_LiabilitiesCurrent_bbcd2ac5-1083-4701-a04e-c796c00aafd0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermNotesPayable_64facc68-e8ee-4d85-a39e-2038d5bb465b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_eabd718a-2f41-4ad6-8832-e423668e6364" xlink:to="loc_us-gaap_LongTermNotesPayable_64facc68-e8ee-4d85-a39e-2038d5bb465b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityNoncurrent_d7e72537-353c-40d6-9312-587f8ee79cb5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingLeaseLiabilityNoncurrent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_eabd718a-2f41-4ad6-8832-e423668e6364" xlink:to="loc_us-gaap_OperatingLeaseLiabilityNoncurrent_d7e72537-353c-40d6-9312-587f8ee79cb5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_57da52af-e6b9-41d0-81ed-2e4eb7a666c0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_fe52b5ce-4299-4c50-beea-00fe6ef1da71" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_57da52af-e6b9-41d0-81ed-2e4eb7a666c0" xlink:to="loc_us-gaap_PreferredStockValue_fe52b5ce-4299-4c50-beea-00fe6ef1da71" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_9240b7e3-a663-4563-bb22-3e8ccef8108f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_57da52af-e6b9-41d0-81ed-2e4eb7a666c0" xlink:to="loc_us-gaap_CommonStockValue_9240b7e3-a663-4563-bb22-3e8ccef8108f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_15997377-eb81-4eff-9c22-9f8c9d565e2d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_57da52af-e6b9-41d0-81ed-2e4eb7a666c0" xlink:to="loc_us-gaap_AdditionalPaidInCapital_15997377-eb81-4eff-9c22-9f8c9d565e2d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_a48c124e-f5a9-42b4-b700-ed2ef9118eaa" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_57da52af-e6b9-41d0-81ed-2e4eb7a666c0" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_a48c124e-f5a9-42b4-b700-ed2ef9118eaa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValue_0bfe4822-cce1-491d-9896-b28a3dfd0d29" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TreasuryStockValue"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_57da52af-e6b9-41d0-81ed-2e4eb7a666c0" xlink:to="loc_us-gaap_TreasuryStockValue_0bfe4822-cce1-491d-9896-b28a3dfd0d29" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_49d9aae7-e67d-4f2f-b806-e70cfb0ab09a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_1e1a5fd9-fce7-4ffc-94a0-5fc3755accd3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_49d9aae7-e67d-4f2f-b806-e70cfb0ab09a" xlink:to="loc_us-gaap_Liabilities_1e1a5fd9-fce7-4ffc-94a0-5fc3755accd3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_7703c3d3-5f37-43b1-9688-0054cd8f599e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_49d9aae7-e67d-4f2f-b806-e70cfb0ab09a" xlink:to="loc_us-gaap_CommitmentsAndContingencies_7703c3d3-5f37-43b1-9688-0054cd8f599e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_59f5e13b-dbd4-427d-b74d-decd808f52b2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_49d9aae7-e67d-4f2f-b806-e70cfb0ab09a" xlink:to="loc_us-gaap_StockholdersEquity_59f5e13b-dbd4-427d-b74d-decd808f52b2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_9a2df473-a4b1-47e5-bfee-b1178e51c520" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsCurrent_9a6679d4-df63-4a69-a7cd-673b6dbee175" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_9a2df473-a4b1-47e5-bfee-b1178e51c520" xlink:to="loc_us-gaap_AssetsCurrent_9a6679d4-df63-4a69-a7cd-673b6dbee175" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_9b820a82-664d-4428-bd74-e49d9e81de3a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_9a2df473-a4b1-47e5-bfee-b1178e51c520" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_9b820a82-664d-4428-bd74-e49d9e81de3a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_cacea038-bfae-49c7-b3a1-f191d0b52a79" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_9a2df473-a4b1-47e5-bfee-b1178e51c520" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_cacea038-bfae-49c7-b3a1-f191d0b52a79" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractWithCustomerAssetNetNoncurrent_066aa8b6-7ede-4c9d-84b1-6a3a9258ea5b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_9a2df473-a4b1-47e5-bfee-b1178e51c520" xlink:to="loc_us-gaap_ContractWithCustomerAssetNetNoncurrent_066aa8b6-7ede-4c9d-84b1-6a3a9258ea5b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet_de1516d9-5fcf-4224-8372-cda163c07b31" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_9a2df473-a4b1-47e5-bfee-b1178e51c520" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet_de1516d9-5fcf-4224-8372-cda163c07b31" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsNoncurrent_8dc62ab4-ec8f-4fbd-83bf-a4395ab1d3af" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_9a2df473-a4b1-47e5-bfee-b1178e51c520" xlink:to="loc_us-gaap_OtherAssetsNoncurrent_8dc62ab4-ec8f-4fbd-83bf-a4395ab1d3af" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/CondensedConsolidatedStatementsofOperationsandComprehensiveIncome" xlink:type="simple" xlink:href="lpro-20220930.xsd#CondensedConsolidatedStatementsofOperationsandComprehensiveIncome"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/CondensedConsolidatedStatementsofOperationsandComprehensiveIncome" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_72bc43fa-0ceb-47f4-94c0-481bcc00acbb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_ab4d9dee-071f-4582-bea3-debe07cde2b1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_72bc43fa-0ceb-47f4-94c0-481bcc00acbb" xlink:to="loc_us-gaap_OperatingExpenses_ab4d9dee-071f-4582-bea3-debe07cde2b1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossProfit_e1d5a54e-0d6f-441f-b37a-6092ea9e305d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_72bc43fa-0ceb-47f4-94c0-481bcc00acbb" xlink:to="loc_us-gaap_GrossProfit_e1d5a54e-0d6f-441f-b37a-6092ea9e305d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_ed560c75-667d-4989-9875-fa83fe08a17f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_3b20e2cb-d929-4041-a30f-7d549a922ad4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_ed560c75-667d-4989-9875-fa83fe08a17f" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_3b20e2cb-d929-4041-a30f-7d549a922ad4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_c44fbf25-7bec-4ee7-8c03-eb241c8a7a85" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_ed560c75-667d-4989-9875-fa83fe08a17f" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_c44fbf25-7bec-4ee7-8c03-eb241c8a7a85" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossProfit_31f01665-7026-45b7-84cc-aeb9bb716ecd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_GrossProfit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_f7a27d8f-f53c-4445-9842-8babb4fc64c9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_31f01665-7026-45b7-84cc-aeb9bb716ecd" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_f7a27d8f-f53c-4445-9842-8babb4fc64c9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CostOfGoodsAndServicesSold_d43317e3-fc39-4710-9079-2c39b622a9a9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_31f01665-7026-45b7-84cc-aeb9bb716ecd" xlink:to="loc_us-gaap_CostOfGoodsAndServicesSold_d43317e3-fc39-4710-9079-2c39b622a9a9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_cd525952-79df-4607-8147-925d35f144d7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_9ceb3350-e24a-4fce-817c-225f2d62b125" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_cd525952-79df-4607-8147-925d35f144d7" xlink:to="loc_us-gaap_OperatingIncomeLoss_9ceb3350-e24a-4fce-817c-225f2d62b125" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_610f4187-909b-416c-bad0-d33ba48588b8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestExpense"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_cd525952-79df-4607-8147-925d35f144d7" xlink:to="loc_us-gaap_InterestExpense_610f4187-909b-416c-bad0-d33ba48588b8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInterest_819ef21f-b05e-4f05-b008-929a4e010828" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_cd525952-79df-4607-8147-925d35f144d7" xlink:to="loc_us-gaap_InvestmentIncomeInterest_819ef21f-b05e-4f05-b008-929a4e010828" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_10b4d9ba-71b3-46cc-8124-23a406a33258" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_cd525952-79df-4607-8147-925d35f144d7" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_10b4d9ba-71b3-46cc-8124-23a406a33258" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNonoperatingIncomeExpense_69dcc5d2-dbdd-4813-a351-8e275dd19c49" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherNonoperatingIncomeExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_cd525952-79df-4607-8147-925d35f144d7" xlink:to="loc_us-gaap_OtherNonoperatingIncomeExpense_69dcc5d2-dbdd-4813-a351-8e275dd19c49" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_lpro_GainLossOnExtinguishmentOfTaxReceivableAgreement_12de2114-c912-42d1-b693-a96c586b3beb" xlink:href="lpro-20220930.xsd#lpro_GainLossOnExtinguishmentOfTaxReceivableAgreement"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_cd525952-79df-4607-8147-925d35f144d7" xlink:to="loc_lpro_GainLossOnExtinguishmentOfTaxReceivableAgreement_12de2114-c912-42d1-b693-a96c586b3beb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_f0a4f1de-0847-4535-aa5a-d430fe8b5b12" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResearchAndDevelopmentExpense_90a53732-a573-40c1-a0f2-b1abc1311016" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_f0a4f1de-0847-4535-aa5a-d430fe8b5b12" xlink:to="loc_us-gaap_ResearchAndDevelopmentExpense_90a53732-a573-40c1-a0f2-b1abc1311016" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingAndMarketingExpense_eda7afa9-9090-4453-8d98-4303cb19cb96" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_f0a4f1de-0847-4535-aa5a-d430fe8b5b12" xlink:to="loc_us-gaap_SellingAndMarketingExpense_eda7afa9-9090-4453-8d98-4303cb19cb96" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_435e23e0-30b6-4ae4-8467-a86777c156ff" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_f0a4f1de-0847-4535-aa5a-d430fe8b5b12" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_435e23e0-30b6-4ae4-8467-a86777c156ff" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/ConsolidatedStatementsofCashFlows" xlink:type="simple" xlink:href="lpro-20220930.xsd#ConsolidatedStatementsofCashFlows"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/ConsolidatedStatementsofCashFlows" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_a0aa3bd9-ca3b-4821-9619-61316337db9a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_d8e5fdfd-c420-4e93-b9d1-84ea9c7d17b7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_a0aa3bd9-ca3b-4821-9619-61316337db9a" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_d8e5fdfd-c420-4e93-b9d1-84ea9c7d17b7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_lpro_PaymentsForSettlementOfTaxReceivableAgreement_a375a4ed-b696-4a5a-8c92-5215331da2b4" xlink:href="lpro-20220930.xsd#lpro_PaymentsForSettlementOfTaxReceivableAgreement"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_a0aa3bd9-ca3b-4821-9619-61316337db9a" xlink:to="loc_lpro_PaymentsForSettlementOfTaxReceivableAgreement_a375a4ed-b696-4a5a-8c92-5215331da2b4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfNotesPayable_ef088efc-55ef-439d-8294-2845f70bfeb4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_a0aa3bd9-ca3b-4821-9619-61316337db9a" xlink:to="loc_us-gaap_RepaymentsOfNotesPayable_ef088efc-55ef-439d-8294-2845f70bfeb4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_e1f3bc98-57d8-4143-ad21-8a8db6b091b7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProceedsFromLongTermLinesOfCredit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_a0aa3bd9-ca3b-4821-9619-61316337db9a" xlink:to="loc_us-gaap_ProceedsFromLongTermLinesOfCredit_e1f3bc98-57d8-4143-ad21-8a8db6b091b7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromNotesPayable_f5f86b93-7a19-4edd-9c74-f896b5390bee" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProceedsFromNotesPayable"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_a0aa3bd9-ca3b-4821-9619-61316337db9a" xlink:to="loc_us-gaap_ProceedsFromNotesPayable_f5f86b93-7a19-4edd-9c74-f896b5390bee" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_21938474-423a-4044-ad35-ed5f9d4afda7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RepaymentsOfLongTermLinesOfCredit"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_a0aa3bd9-ca3b-4821-9619-61316337db9a" xlink:to="loc_us-gaap_RepaymentsOfLongTermLinesOfCredit_21938474-423a-4044-ad35-ed5f9d4afda7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_85803935-179b-4c6f-b977-00c17fdbf553" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_a0aa3bd9-ca3b-4821-9619-61316337db9a" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_85803935-179b-4c6f-b977-00c17fdbf553" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_lpro_PaymentsOfDeferredFinancingsCosts_1f454067-12ec-40f5-9fb8-9f6652d3acac" xlink:href="lpro-20220930.xsd#lpro_PaymentsOfDeferredFinancingsCosts"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_a0aa3bd9-ca3b-4821-9619-61316337db9a" xlink:to="loc_lpro_PaymentsOfDeferredFinancingsCosts_1f454067-12ec-40f5-9fb8-9f6652d3acac" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve_c39a8f4e-632c-45a7-9920-ac699ca73b0d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve_c39a8f4e-632c-45a7-9920-ac699ca73b0d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_5faca9fb-f524-491f-9c55-960032b6daba" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_5faca9fb-f524-491f-9c55-960032b6daba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_3e3b828d-6eff-4ebf-b827-93c5a69af64d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_3e3b828d-6eff-4ebf-b827-93c5a69af64d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_0eb29db0-9553-49d6-a6aa-18a535da5725" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_0eb29db0-9553-49d6-a6aa-18a535da5725" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCosts_d4b6fea1-4b07-4769-b316-7f4de67f8f3d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AmortizationOfFinancingCosts"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_AmortizationOfFinancingCosts_d4b6fea1-4b07-4769-b316-7f4de67f8f3d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAssetAmortizationExpense_2cfe4351-1486-478d-ac2d-c83967ec240a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingLeaseRightOfUseAssetAmortizationExpense"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAssetAmortizationExpense_2cfe4351-1486-478d-ac2d-c83967ec240a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInContractWithCustomerAsset_61fbe6d1-b0e9-45a1-91a5-888ad8883dec" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInContractWithCustomerAsset"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_IncreaseDecreaseInContractWithCustomerAsset_61fbe6d1-b0e9-45a1-91a5-888ad8883dec" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_0626460d-29d4-4a57-bcf0-e88ed75f6b68" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_ShareBasedCompensation_0626460d-29d4-4a57-bcf0-e88ed75f6b68" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_cd990815-1437-4240-8218-755ee3280062" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_NetIncomeLoss_cd990815-1437-4240-8218-755ee3280062" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_d7205536-951c-4267-8c5c-cb79bfa08d98" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_d7205536-951c-4267-8c5c-cb79bfa08d98" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_7998db6b-5971-4a29-8f1e-62607afe905b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_7998db6b-5971-4a29-8f1e-62607afe905b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsPayableTrade_571d13ac-f11d-409f-95cd-4346b5cb7dc3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInAccountsPayableTrade"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsPayableTrade_571d13ac-f11d-409f-95cd-4346b5cb7dc3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_6c0690aa-a07e-4fbe-a3b3-c5255430ffe5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilities"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_6c0690aa-a07e-4fbe-a3b3-c5255430ffe5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingLeaseLiability_c026bb55-f10c-4a7a-971e-1a262621d636" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInOperatingLeaseLiability"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingLeaseLiability_c026bb55-f10c-4a7a-971e-1a262621d636" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_9ed2e3de-fa63-4ecc-a7df-5cca67ca4bff" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:calculationArc order="15" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_9ed2e3de-fa63-4ecc-a7df-5cca67ca4bff" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_lpro_GainLossOnExtinguishmentOfTaxReceivableAgreement_0b817fd0-c671-404e-b367-f9e636f33f00" xlink:href="lpro-20220930.xsd#lpro_GainLossOnExtinguishmentOfTaxReceivableAgreement"/>
    <link:calculationArc order="16" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_lpro_GainLossOnExtinguishmentOfTaxReceivableAgreement_0b817fd0-c671-404e-b367-f9e636f33f00" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_f2d0a24d-390c-4e21-bd27-470b1bd952ce" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable"/>
    <link:calculationArc order="17" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6b6a5145-2dc3-4ab5-ab1c-840c80c2e1df" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable_f2d0a24d-390c-4e21-bd27-470b1bd952ce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_ae611e2a-8c47-411d-8a51-15427b20bea4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6d6a9643-9698-4c99-9b37-119e5791f53c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_ae611e2a-8c47-411d-8a51-15427b20bea4" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_6d6a9643-9698-4c99-9b37-119e5791f53c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_639c645f-67df-41f4-8eb3-bda8174381a0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_ae611e2a-8c47-411d-8a51-15427b20bea4" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_639c645f-67df-41f4-8eb3-bda8174381a0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_08fce999-99a3-41db-b8d7-76ec017df033" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_ae611e2a-8c47-411d-8a51-15427b20bea4" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_08fce999-99a3-41db-b8d7-76ec017df033" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_f3dfecc8-a6cf-44bb-b662-e5ed163377e6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_0ee9855e-3709-41be-83c1-f2d09cd0be7c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_f3dfecc8-a6cf-44bb-b662-e5ed163377e6" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_0ee9855e-3709-41be-83c1-f2d09cd0be7c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/DebtSummaryofDebtDetail" xlink:type="simple" xlink:href="lpro-20220930.xsd#DebtSummaryofDebtDetail"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/DebtSummaryofDebtDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_7c273829-1083-4fcd-8ccd-072729d1b1dc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtCurrent_76f10ea2-e1f9-4e66-adda-8ef36c3a9300" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_7c273829-1083-4fcd-8ccd-072729d1b1dc" xlink:to="loc_us-gaap_LongTermDebtCurrent_76f10ea2-e1f9-4e66-adda-8ef36c3a9300" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtNoncurrent_60339b82-ee19-421d-af78-e24f438d5f56" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_7c273829-1083-4fcd-8ccd-072729d1b1dc" xlink:to="loc_us-gaap_LongTermDebtNoncurrent_60339b82-ee19-421d-af78-e24f438d5f56" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/DebtSummaryofDebtDetail_1" xlink:type="simple" xlink:href="lpro-20220930.xsd#DebtSummaryofDebtDetail_1"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/DebtSummaryofDebtDetail_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_753467ef-e4a3-44da-ad0e-691b5378188c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_54a5d241-9248-4ba5-adb0-05da4667fcb8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_753467ef-e4a3-44da-ad0e-691b5378188c" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_54a5d241-9248-4ba5-adb0-05da4667fcb8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_5f78427a-1a60-4f31-a5f3-ad35185bad62" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_753467ef-e4a3-44da-ad0e-691b5378188c" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_5f78427a-1a60-4f31-a5f3-ad35185bad62" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/NetIncomeperShareSummaryofEarningsPerShareDetail" xlink:type="simple" xlink:href="lpro-20220930.xsd#NetIncomeperShareSummaryofEarningsPerShareDetail"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/NetIncomeperShareSummaryofEarningsPerShareDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_efc24ad5-5f51-4172-a039-f30b680b85aa" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_cd4446ae-096f-418e-a16e-5d3f12cbba4f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_efc24ad5-5f51-4172-a039-f30b680b85aa" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_cd4446ae-096f-418e-a16e-5d3f12cbba4f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_7a61987f-d901-4559-ab6f-02e9bde8d872" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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_efc24ad5-5f51-4172-a039-f30b680b85aa" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_7a61987f-d901-4559-ab6f-02e9bde8d872" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.openlendingcorp.com/role/FairValueofFinancialInstrumentsSummaryofFairValueAssetsandLiabilitiesMeasuredonRecurringBasisDetail" xlink:type="simple" xlink:href="lpro-20220930.xsd#FairValueofFinancialInstrumentsSummaryofFairValueAssetsandLiabilitiesMeasuredonRecurringBasisDetail"/>
  <link:calculationLink xlink:role="http://www.openlendingcorp.com/role/FairValueofFinancialInstrumentsSummaryofFairValueAssetsandLiabilitiesMeasuredonRecurringBasisDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_0be04c37-995a-452d-8f7d-b438345d51b4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesPayableFairValueDisclosure_430a756b-75cb-40ca-8e64-c8b928f567a5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NotesPayableFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_0be04c37-995a-452d-8f7d-b438345d51b4" xlink:to="loc_us-gaap_NotesPayableFairValueDisclosure_430a756b-75cb-40ca-8e64-c8b928f567a5" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
