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  <xs:element id="rcii_Requiredminimumproformafixedchargecoverageratio" abstract="false" name="Requiredminimumproformafixedchargecoverageratio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="rcii_CreditsForRestructuring" abstract="false" name="CreditsForRestructuring" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_FranchiseCostOfMerchandiseSold" abstract="false" name="FranchiseCostOfMerchandiseSold" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_SocialUnrestMember" abstract="true" name="SocialUnrestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_LineofCreditFacilityAdditionalBorrowingCapacity" abstract="false" name="LineofCreditFacilityAdditionalBorrowingCapacity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_RestructuringChargesDomain" abstract="true" name="RestructuringChargesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_RentalpurchaseagreementsMember" abstract="true" name="RentalpurchaseagreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceBasedGrantsInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceBasedGrantsInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="rcii_StoreexpensesAbstract" abstract="true" name="StoreexpensesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_InstallmentSalesReceivableMember" abstract="true" name="InstallmentSalesReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_RestructuringChargesAxis" abstract="true" name="RestructuringChargesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="rcii_OriginalIssueDiscountMember" abstract="true" name="OriginalIssueDiscountMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_RentalsAndFees" abstract="false" name="RentalsAndFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_CostOfMerchandiseSold" abstract="false" name="CostOfMerchandiseSold" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_ExpensetypeDomain" abstract="true" name="ExpensetypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_MexicoMember" abstract="true" name="MexicoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_CostOfRentalsAndFees" abstract="false" name="CostOfRentalsAndFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_SecuredDebtNet" abstract="false" name="SecuredDebtNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_Originalissuediscount" abstract="false" name="Originalissuediscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_StoreConsolidationPlanNumberofStoresClosed" abstract="false" name="StoreConsolidationPlanNumberofStoresClosed" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="rcii_MerchandiseSales" abstract="false" name="MerchandiseSales" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_DebtIssuanceCostsMember" abstract="true" name="DebtIssuanceCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_FranchiseMerchandiseSales" abstract="false" name="FranchiseMerchandiseSales" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_NonCashChargesMember" abstract="true" name="NonCashChargesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_FranchiseAbstract" abstract="true" name="FranchiseAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_OperatingLeaseNumberOfUnits" abstract="false" name="OperatingLeaseNumberOfUnits" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="rcii_PreferredLeaseMember" abstract="true" name="PreferredLeaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_CondensedConsolidatedStatementofStockholdersEquityAbstract" abstract="true" name="CondensedConsolidatedStatementofStockholdersEquityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_TradeandNotesReceivablesMember" abstract="true" name="TradeandNotesReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_ActualFixedChargeCoverageRatio" abstract="false" name="ActualFixedChargeCoverageRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="rcii_StoreAbstract" abstract="true" name="StoreAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_ReceivablesandAllowanceforDoubtfulAccountsAbstract" abstract="true" name="ReceivablesandAllowanceforDoubtfulAccountsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_RentalMerchandiseAbstract" abstract="true" name="RentalMerchandiseAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_DirectStoreExpensesAbstract" abstract="true" name="DirectStoreExpensesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_IncreaseDecreaseofOperatingLeasesNet" abstract="false" name="IncreaseDecreaseofOperatingLeasesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_DocumentAndEntityInformation" abstract="true" name="DocumentAndEntityInformation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_AbatementMember" abstract="true" name="AbatementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_COVID19PandemicMember" abstract="true" name="COVID19PandemicMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_SeniorDebtAbstract" abstract="true" name="SeniorDebtAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_AcquisitionsAbstract" abstract="true" name="AcquisitionsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_OtherStoreRevenue" abstract="false" name="OtherStoreRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_ExpensetypeAxis" abstract="true" name="ExpensetypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="rcii_DepreciationOfRentalMerchandise" abstract="false" name="DepreciationOfRentalMerchandise" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_FranchiseRoyaltyIncomeAndFees" abstract="false" name="FranchiseRoyaltyIncomeAndFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_FranchisefeesMember" abstract="true" name="FranchisefeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_OtherstoreexpensesMember" abstract="true" name="OtherstoreexpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_RentACenterBusinessMember" abstract="true" name="RentACenterBusinessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_FinanceChargesFromRefinancing" abstract="false" name="FinanceChargesFromRefinancing" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_Requiredconsolidatedseniorsecuredleverageratiominimum" abstract="false" name="Requiredconsolidatedseniorsecuredleverageratiominimum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="rcii_Requiredminimumconsolidatedfixedchargecoverageratio" abstract="false" name="Requiredminimumconsolidatedfixedchargecoverageratio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="rcii_RentPaymentDealAxis" abstract="true" name="RentPaymentDealAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="rcii_CondensedConsolidatedStatementsofComprehensiveIncomeAbstract" abstract="true" name="CondensedConsolidatedStatementsofComprehensiveIncomeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
</xs:schema>
