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  <xs:element id="upbd_OtherstoreexpensesMember" abstract="true" name="OtherstoreexpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_DebtIssuanceCostsMember" abstract="true" name="DebtIssuanceCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_FurnitureequipmentandvehicleMember" abstract="true" name="FurnitureequipmentandvehicleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_FinanceChargesFromRefinancing" abstract="false" name="FinanceChargesFromRefinancing" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_IntangibleAssetsandAcquisitionsTable" abstract="true" name="IntangibleAssetsandAcquisitionsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="upbd_DefinedContributionPlanPercentofCompanyStockPurchased" abstract="false" name="DefinedContributionPlanPercentofCompanyStockPurchased" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="upbd_SecuredOvernightFinancingRateSOFRFloorMember" abstract="true" name="SecuredOvernightFinancingRateSOFRFloorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_DeferredCompensationPlanAbstract" abstract="true" name="DeferredCompensationPlanAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_DeferredTaxAssetsLeaseObligation" abstract="false" name="DeferredTaxAssetsLeaseObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_A2021AmendedPlanMember" abstract="true" name="A2021AmendedPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_AggregateAmortizationExpenseTableTextBlock" abstract="false" name="AggregateAmortizationExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="upbd_MaximumDeferralPercentageofBaseCompensationunderDeferredCompensationPlan" abstract="false" name="MaximumDeferralPercentageofBaseCompensationunderDeferredCompensationPlan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="upbd_StoreLaborExpenses" abstract="false" name="StoreLaborExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_RentACenterBusinessMember" abstract="true" name="RentACenterBusinessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_DefinedContributionPlanEmployeeServiceRequirementMinimum" abstract="false" name="DefinedContributionPlanEmployeeServiceRequirementMinimum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_MajorPropertyClassUsefulLifeTable" abstract="true" name="MajorPropertyClassUsefulLifeTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="upbd_MaximumperiodofpastduerequiredtochargeoffremainingbookvalueofrentalmerchandiseforPreferredLeasesegment" abstract="false" name="MaximumperiodofpastduerequiredtochargeoffremainingbookvalueofrentalmerchandiseforPreferredLeasesegment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_NumberofStoresAcquiredRemainingOpen" abstract="false" name="NumberofStoresAcquiredRemainingOpen" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="upbd_MassachusettsAttorneyGeneralMember" abstract="true" name="MassachusettsAttorneyGeneralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_IntangibleAssetsandAcquisitionsLineItems" abstract="true" name="IntangibleAssetsandAcquisitionsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_MerchandiseSales" abstract="false" name="MerchandiseSales" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_MexicoMember" abstract="true" name="MexicoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_ShareRepurchase500MillionMember" abstract="true" name="ShareRepurchase500MillionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_TradeandNotesReceivablesMember" abstract="true" name="TradeandNotesReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_AcquisitionsTableTextBlock" abstract="false" name="AcquisitionsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="upbd_IncreaseDecreaseofOperatingLeasesNet" abstract="false" name="IncreaseDecreaseofOperatingLeasesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_RentalsAndFees" abstract="false" name="RentalsAndFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_NumberofstoresinMexico" abstract="false" name="NumberofstoresinMexico" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="upbd_RoyaltyFeePercentageMaximum" abstract="false" name="RoyaltyFeePercentageMaximum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="upbd_MinimumPeriodinHeldforRentstatusneededfordepreciationofsmartphones" abstract="false" name="MinimumPeriodinHeldforRentstatusneededfordepreciationofsmartphones" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_FranchiseCostOfMerchandiseSold" abstract="false" name="FranchiseCostOfMerchandiseSold" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_RentalMerchandiseonRentCost" abstract="false" name="RentalMerchandiseonRentCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_AcimaMember" abstract="true" name="AcimaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_ReservesForMerchandiseLosses" abstract="false" name="ReservesForMerchandiseLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_SeniorNotesDisclosureTextBlock" abstract="false" name="SeniorNotesDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="upbd_ABLCreditFacilityMember" abstract="true" name="ABLCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_SeniorDebtAbstract" abstract="true" name="SeniorDebtAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_AuditorInformationAbstract" abstract="true" name="AuditorInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_OtherChargesOperatingExpensesAbstract" abstract="true" name="OtherChargesOperatingExpensesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_RentalMerchandiseTableTextBlock" abstract="false" name="RentalMerchandiseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="upbd_OtherDeferredRevenue" abstract="false" name="OtherDeferredRevenue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_DefinedContributionPlanEmployerMatchingContributionVesting" abstract="false" name="DefinedContributionPlanEmployerMatchingContributionVesting" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_ComputersMember" abstract="true" name="ComputersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_RentalMerchandiseDisclosureTextBlock" abstract="false" name="RentalMerchandiseDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="upbd_SalesTaxPolicyTextBlock" abstract="false" name="SalesTaxPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="upbd_TheNotesMember" abstract="true" name="TheNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_ConsolidatedStatementofStockholdersEquityAbstract" abstract="true" name="ConsolidatedStatementofStockholdersEquityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_NumberofFranchisedstores" abstract="false" name="NumberofFranchisedstores" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="upbd_Amortizationperiodforvendorrelationshipsminimum" abstract="false" name="Amortizationperiodforvendorrelationshipsminimum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_VestingPercentageofPerformanceBasedRestrictedStockUnits" abstract="false" name="VestingPercentageofPerformanceBasedRestrictedStockUnits" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="upbd_IncomeTaxesAbstract" abstract="true" name="IncomeTaxesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_OtherproductsandservicesMember" abstract="true" name="OtherproductsandservicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_CapitalizedSoftwareCostinConstructioninProgress" abstract="false" name="CapitalizedSoftwareCostinConstructioninProgress" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_LondonInterbankOfferedRateLIBOR1Member" abstract="true" name="LondonInterbankOfferedRateLIBOR1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_TermLoanFacilityMember" abstract="true" name="TermLoanFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_RestructuringChargesAxis" abstract="true" name="RestructuringChargesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="upbd_CostOfInstallmentSales" abstract="false" name="CostOfInstallmentSales" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_RestructuringChargesDomain" abstract="true" name="RestructuringChargesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_DepreciationAmortizationandWritedownofIntangibles" abstract="false" name="DepreciationAmortizationandWritedownofIntangibles" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_VendorAllowances" abstract="false" name="VendorAllowances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_AllowanceforDoubtfulAccountsTableTextBlock" abstract="false" name="AllowanceforDoubtfulAccountsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="upbd_TermLoanandRevolvingCreditFacilityMember" abstract="true" name="TermLoanandRevolvingCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_A2006PlanMember" abstract="true" name="A2006PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_InternallyDevelopedSoftwareMember" abstract="true" name="InternallyDevelopedSoftwareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_MaximumperiodofpastduerequiredtochargeoffremainingbookvalueofrentalmerchandiseforRentACenterandMexicosegments" abstract="false" name="MaximumperiodofpastduerequiredtochargeoffremainingbookvalueofrentalmerchandiseforRentACenterandMexicosegments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_Weightedaverageremainingleaseterm" abstract="false" name="Weightedaverageremainingleaseterm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_StockRepurchasePlanAbstract" abstract="true" name="StockRepurchasePlanAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_OtherStoreRevenue" abstract="false" name="OtherStoreRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_RentalMerchandiseHeldforRentCost" abstract="false" name="RentalMerchandiseHeldforRentCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_AcimaHoldingsMember" abstract="true" name="AcimaHoldingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_JewelryMember" abstract="true" name="JewelryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_DepreciationOfRentalMerchandise" abstract="false" name="DepreciationOfRentalMerchandise" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_AccountsReceivableCreditLossExpenseReversalDifferenceDueToRounding" abstract="false" name="AccountsReceivableCreditLossExpenseReversalDifferenceDueToRounding" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_WheelsAndTiresMember" abstract="true" name="WheelsAndTiresMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_SecuredOvernightFinancingRateSOFRMember" abstract="true" name="SecuredOvernightFinancingRateSOFRMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_MaximumPeriodusedfordepreciationofsmartphonesHeldforRent" abstract="false" name="MaximumPeriodusedfordepreciationofsmartphonesHeldforRent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_MajorPropertyClassUsefulLifeLineItems" abstract="true" name="MajorPropertyClassUsefulLifeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_AmountOfDifferenceBetweenFairValueAndCarryingValue" abstract="false" name="AmountOfDifferenceBetweenFairValueAndCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_Storerevenues" abstract="false" name="Storerevenues" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_Originalissuediscount" abstract="false" name="Originalissuediscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_AccruedCompensationexcludesPayrollTaxes" abstract="false" name="AccruedCompensationexcludesPayrollTaxes" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_RentalMerchandiseOnRentNet" abstract="false" name="RentalMerchandiseOnRentNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_OtherStoreExpenses" abstract="false" name="OtherStoreExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_NatureofOperationsandSummaryofAccountingPoliciesAbstract" abstract="true" name="NatureofOperationsandSummaryofAccountingPoliciesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_ConsumerelectronicsMember" abstract="true" name="ConsumerelectronicsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_DirectStoreExpensesAbstract" abstract="true" name="DirectStoreExpensesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_MerchandiseLossesDamagesAndRepairsMember" abstract="true" name="MerchandiseLossesDamagesAndRepairsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_MinimumPeriodinHeldforRentstatusneededfordepreciationofmerchandise" abstract="false" name="MinimumPeriodinHeldforRentstatusneededfordepreciationofmerchandise" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_SeniorNotesNet" abstract="false" name="SeniorNotesNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_Costofstorerevenues" abstract="false" name="Costofstorerevenues" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_NonCashChargesMember" abstract="true" name="NonCashChargesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
</xs:schema>
