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  <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_StockBasedCompensationAbstract" abstract="true" name="StockBasedCompensationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_InstallmentSales" abstract="false" name="InstallmentSales" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_TransactionCostsMember" abstract="true" name="TransactionCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_LossContingencyEscrowedIndemnityAmount" abstract="false" name="LossContingencyEscrowedIndemnityAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_RentalMerchandiseHeldForRentNet" abstract="false" name="RentalMerchandiseHeldForRentNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_SegmentInformationAbstract" abstract="true" name="SegmentInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_IncreaseDecreaseInRentalMerchandise" abstract="false" name="IncreaseDecreaseInRentalMerchandise" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_LossContingencyEscrowedIndemnityAmountToBeReleased" abstract="false" name="LossContingencyEscrowedIndemnityAmountToBeReleased" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_RestructuringChargesAxis" abstract="true" name="RestructuringChargesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <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_OtherstoreexpensesMember" abstract="true" name="OtherstoreexpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_CondensedConsolidatedStatementsofComprehensiveIncomeAbstract" abstract="true" name="CondensedConsolidatedStatementsofComprehensiveIncomeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_Requiredminimumconsolidatedfixedchargecoverageratio" abstract="false" name="Requiredminimumconsolidatedfixedchargecoverageratio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <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_InstallmentSalesReceivableMember" abstract="true" name="InstallmentSalesReceivableMember" 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_LongTermDebtMaturityAfterYearFour" abstract="false" name="LongTermDebtMaturityAfterYearFour" 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_ExpensetypeAxis" abstract="true" name="ExpensetypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <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_Provisionfordoubtfulaccountsbaddebtexpense" abstract="false" name="Provisionfordoubtfulaccountsbaddebtexpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_FranchiseRoyaltyIncomeAndFees" abstract="false" name="FranchiseRoyaltyIncomeAndFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_LineOfCreditFacilityCovenantComplianceRemainingBorrowingCapacityMaximum" abstract="false" name="LineOfCreditFacilityCovenantComplianceRemainingBorrowingCapacityMaximum" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_TermLoanFacilityMember" abstract="true" name="TermLoanFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_CondensedConsolidatedStatementofStockholdersEquityAbstract" abstract="true" name="CondensedConsolidatedStatementofStockholdersEquityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_RentalMerchandiseAbstract" abstract="true" name="RentalMerchandiseAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_RentACenterBusinessMember" abstract="true" name="RentACenterBusinessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_SeniorNotesTable" abstract="true" name="SeniorNotesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <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_DebtIssuanceCostsMember" abstract="true" name="DebtIssuanceCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_TheNotesMember" abstract="true" name="TheNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_ShareRepurchase500MillionMember" abstract="true" name="ShareRepurchase500MillionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_LeaseOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LeaseOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_StoreexpensesAbstract" abstract="true" name="StoreexpensesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_OtherproductplansMember" abstract="true" name="OtherproductplansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_NonCashChargesMember" abstract="true" name="NonCashChargesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_SecuredDebtNet" abstract="false" name="SecuredDebtNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_SubsidiaryGuarantorsSeniorNotesAbstract" abstract="true" name="SubsidiaryGuarantorsSeniorNotesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_FranchiseAbstract" abstract="true" name="FranchiseAbstract" 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_AcimaHoldingsMember" abstract="true" name="AcimaHoldingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_DebtInstrumentConsolidatedSecuredLeverageRatio" abstract="false" name="DebtInstrumentConsolidatedSecuredLeverageRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="upbd_SeniorNotesLineItems" abstract="true" name="SeniorNotesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceBasedGrantsInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPerformanceBasedGrantsInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_ReceivablesandAllowanceforDoubtfulAccountsAbstract" abstract="true" name="ReceivablesandAllowanceforDoubtfulAccountsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_CostOfRentalsAndFees" abstract="false" name="CostOfRentalsAndFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_DocumentAndEntityInformation" abstract="true" name="DocumentAndEntityInformation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="upbd_StoreAbstract" abstract="true" name="StoreAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" 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_ActualFixedChargeCoverageRatio" abstract="false" name="ActualFixedChargeCoverageRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <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_CostOfMerchandiseSold" abstract="false" name="CostOfMerchandiseSold" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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:schema>
