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  <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_CondensedConsolidatedStatementofStockholdersEquityAbstract" abstract="true" name="CondensedConsolidatedStatementofStockholdersEquityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_IncreaseDecreaseInRentalMerchandise" abstract="false" name="IncreaseDecreaseInRentalMerchandise" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_PAymentsForPromissoryLoanIssuance" abstract="false" name="PAymentsForPromissoryLoanIssuance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_BasisofPresentationAbstract" abstract="true" name="BasisofPresentationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_ReceivablesandAllowanceforDoubtfulAccountsAbstract" abstract="true" name="ReceivablesandAllowanceforDoubtfulAccountsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_SubsidiaryGuarantorsSeniorNotesAbstract" abstract="true" name="SubsidiaryGuarantorsSeniorNotesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_SegmentInformationAbstract" abstract="true" name="SegmentInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_StockBasedCompensationAbstract" abstract="true" name="StockBasedCompensationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_RentACenterDivestitureMember" abstract="true" name="RentACenterDivestitureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_NumberOfStoreSold" abstract="false" name="NumberOfStoreSold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="upbd_DisposalGroupIncludingDiscontinuedOperationFranchiseFees" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationFranchiseFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_DisposalGroupIncludingDiscontinuedOperationPropertyAssets" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationPropertyAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_DisposalGroupIncludingDiscontinuedOperationProratedRentAndOtherMiscellaneousExpenses" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationProratedRentAndOtherMiscellaneousExpenses" nillable="true" xbrli:periodType="duration" 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_RentACenterBusinessMember" abstract="true" name="RentACenterBusinessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_FranchisingMember" abstract="true" name="FranchisingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_RentalpurchaseagreementsMember" abstract="true" name="RentalpurchaseagreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_OtherproductplansMember" abstract="true" name="OtherproductplansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_FranchisefeesMember" abstract="true" name="FranchisefeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_InstallmentSalesReceivableMember" abstract="true" name="InstallmentSalesReceivableMember" 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_AccruedRevenue" abstract="false" name="AccruedRevenue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_Provisionfordoubtfulaccountsbaddebtexpense" abstract="false" name="Provisionfordoubtfulaccountsbaddebtexpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_ExpensetypeAxis" abstract="true" name="ExpensetypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="upbd_ExpenseTypeDomain" abstract="true" name="ExpenseTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_OriginalIssueDiscountMember" abstract="true" name="OriginalIssueDiscountMember" 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_LondonInterbankOfferedRateLIBOR1Member" abstract="true" name="LondonInterbankOfferedRateLIBOR1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_Originalissuediscount" abstract="false" name="Originalissuediscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_DebtInstrumentDecreaseToBasisSpreadOnVariableRate" abstract="false" name="DebtInstrumentDecreaseToBasisSpreadOnVariableRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="upbd_DebtInstrumentPeriodicPaymentPercent" abstract="false" name="DebtInstrumentPeriodicPaymentPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="upbd_LongTermDebtMaturityAfterYearFour" abstract="false" name="LongTermDebtMaturityAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_SeniorNotesTable" abstract="true" name="SeniorNotesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="upbd_SeniorNotesAxis" abstract="true" name="SeniorNotesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="upbd_SeniorNotesDomain" abstract="true" name="SeniorNotesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_SeniorNotesLineItems" abstract="true" name="SeniorNotesLineItems" 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_AcimaHoldingsMember" abstract="true" name="AcimaHoldingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_AcimaAcquiredAssetsAmortizationMember" abstract="true" name="AcimaAcquiredAssetsAmortizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_AcimaAcquiredAssetsDepreciationMember" abstract="true" name="AcimaAcquiredAssetsDepreciationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_AcimaAcquiredAssetsDepreciationAndAmortizationMember" abstract="true" name="AcimaAcquiredAssetsDepreciationAndAmortizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_AcimaEquityConsiderationVestingMember" abstract="true" name="AcimaEquityConsiderationVestingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_AcceleratedSoftwareDepreciationMember" abstract="true" name="AcceleratedSoftwareDepreciationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_AssetImpairmentsMember" abstract="true" name="AssetImpairmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_ImpairedLongLivedAssetsHeldAndUsedOperatingLeaseRightOfUseAssetMember" abstract="true" name="ImpairedLongLivedAssetsHeldAndUsedOperatingLeaseRightOfUseAssetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_ImpairedLongLivedAssetsHeldAndUsedPropertyPlantAndEquipmentMember" abstract="true" name="ImpairedLongLivedAssetsHeldAndUsedPropertyPlantAndEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_AcceleratedStockCompensationMember" abstract="true" name="AcceleratedStockCompensationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_LegalSettlementReserveMember" abstract="true" name="LegalSettlementReserveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_OtherMember" abstract="true" name="OtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_OtherchargesMember" abstract="true" name="OtherchargesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_EstimatedSettlementAccrualsMember" abstract="true" name="EstimatedSettlementAccrualsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_LitigationAndDefenseExpensesMember" abstract="true" name="LitigationAndDefenseExpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_DepreciationMember" abstract="true" name="DepreciationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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_A2021And2016PlanMember" abstract="true" name="A2021And2016PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_December2021ProgramMember" abstract="true" name="December2021ProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceBasedGrantsInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceBasedGrantsInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="upbd_CommitmentsAndContingenciesIndemnityHoldback" abstract="false" name="CommitmentsAndContingenciesIndemnityHoldback" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_LossContingencyEscrowedIndemnityAmount" abstract="false" name="LossContingencyEscrowedIndemnityAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
