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  <xs:element id="sofi_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuableEntitySharesHeldInEscrowReleased" abstract="false" name="BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuableEntitySharesHeldInEscrowReleased" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="sofi_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf50BasisPointAdverseChangeInMarketServicingCosts" abstract="false" name="SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf50BasisPointAdverseChangeInMarketServicingCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sofi_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSecuritizationCleanUpCalls" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSecuritizationCleanUpCalls" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_TransfersOfFinancialAssetsAccountedForAsSaleFairValueOfAssetsObtainedAsProceeds" abstract="false" name="TransfersOfFinancialAssetsAccountedForAsSaleFairValueOfAssetsObtainedAsProceeds" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sofi_TransferOfFinancialAssetsAccountedForAsSalesFairValueOfCashProceedsReceivedForAssetsDerecognizedAmount" abstract="false" name="TransferOfFinancialAssetsAccountedForAsSalesFairValueOfCashProceedsReceivedForAssetsDerecognizedAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="sofi_JeremyRishelMember" abstract="true" name="JeremyRishelMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sofi_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiabilityAcquiredThroughAcquisitions" abstract="false" name="RightOfUseAssetObtainedInExchangeForOperatingLeaseLiabilityAcquiredThroughAcquisitions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf200BasisPointsAdverseChangeInDiscountRate" abstract="false" name="SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf200BasisPointsAdverseChangeInDiscountRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityOther" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityOther" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_PersonalLoanSecuritizationsMember" abstract="true" name="PersonalLoanSecuritizationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueDefaultRateAbstract" abstract="true" name="SensitivityAnalysisOfFairValueDefaultRateAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sofi_FinancialAssetEqualToOrGreaterThan30DaysPastDueMember" abstract="true" name="FinancialAssetEqualToOrGreaterThan30DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sofi_FinancingReceivableUnpaidPrincipalBeforeAllowanceForCreditLoss" abstract="false" name="FinancingReceivableUnpaidPrincipalBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_DebtWithScheduledPaymentsMember" abstract="true" name="DebtWithScheduledPaymentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_FICOScoreLessThanOrEqualTo599Member" abstract="true" name="FICOScoreLessThanOrEqualTo599Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf10PercentAdverseChangeInDefaultRate" abstract="false" name="SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf10PercentAdverseChangeInDefaultRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_BankingRegulationMortgageBankingNetWorthMinimumNoncomplianceFinesAndPenaltiesAccrued" abstract="false" name="BankingRegulationMortgageBankingNetWorthMinimumNoncomplianceFinesAndPenaltiesAccrued" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_LendingSegmentMember" abstract="true" name="LendingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_FinancingReceivableAfterAllowanceForCreditLossIncludingHeldForSale" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossIncludingHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_RiskRetentionWarehouseFacilitiesMember" abstract="true" name="RiskRetentionWarehouseFacilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_CorporateAndReconcilingItemsMember" abstract="true" name="CorporateAndReconcilingItemsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_ResidualInterestsClassifiedAsDebtMember" abstract="true" name="ResidualInterestsClassifiedAsDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_LoanStatusDomain" abstract="true" name="LoanStatusDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_TimeDepositMaturitiesAfterYearFour" abstract="false" name="TimeDepositMaturitiesAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_LoanOriginationCommitmentsFairValue" abstract="false" name="LoanOriginationCommitmentsFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_ConvertibleSeniorNotesDue2026Member" abstract="true" name="ConvertibleSeniorNotesDue2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_NoncashOrPartNoncashAcquisitionDepositsAssumed" abstract="false" name="NoncashOrPartNoncashAcquisitionDepositsAssumed" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_DenominatorAbstract" abstract="true" name="DenominatorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sofi_ContingentCommonStockAcquisitionsMember" abstract="true" name="ContingentCommonStockAcquisitionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf25BasisPointAdverseChangeInMarketServicingCosts" abstract="false" name="SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf25BasisPointAdverseChangeInMarketServicingCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_VariableInterestEntityConsolidatedNumberOfEntities" abstract="false" name="VariableInterestEntityConsolidatedNumberOfEntities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="sofi_CreditCardLoanPortfolioSegmentMember" abstract="true" name="CreditCardLoanPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_SafeguardingAssetPlatformOperatorCryptoAssetNumberOfAssetsHeld" abstract="false" name="SafeguardingAssetPlatformOperatorCryptoAssetNumberOfAssetsHeld" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="sofi_FairValueAdjustmentOfSecuritizationOfLoans" abstract="false" name="FairValueAdjustmentOfSecuritizationOfLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_SafeguardingAssetPlatformOperatorCryptoAssetNumberOfThirdPartyCustodians" abstract="false" name="SafeguardingAssetPlatformOperatorCryptoAssetNumberOfThirdPartyCustodians" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="sofi_StockIssuedDuringPeriodValueAcquisitionsVestedSharesAcquired" abstract="false" name="StockIssuedDuringPeriodValueAcquisitionsVestedSharesAcquired" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_SecuredOvernightFinancingRateSOFRMember" abstract="true" name="SecuredOvernightFinancingRateSOFRMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="sofi_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestZeroExpectedCreditLossPercentageOfPortfolio" abstract="false" name="DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestZeroExpectedCreditLossPercentageOfPortfolio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="sofi_WholeLoansMember" abstract="true" name="WholeLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_SensitivityAnalysisOfFairValueDiscountRateAbstract" abstract="true" name="SensitivityAnalysisOfFairValueDiscountRateAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sofi_TransferOfFinancialAssetsAccountedForAsSalesFairValueOfDerecognizedServicingAssets" abstract="false" name="TransferOfFinancialAssetsAccountedForAsSalesFairValueOfDerecognizedServicingAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_ResidualInvestmentsMember" abstract="true" name="ResidualInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_DesignedToManageFutureLoanSaleExecutionRiskMember" abstract="true" name="DesignedToManageFutureLoanSaleExecutionRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_NumeratorAbstract" abstract="true" name="NumeratorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="sofi_PersonalLoanPortfolioSegmentMember" abstract="true" name="PersonalLoanPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_LoansReceivableMeasurementInput" abstract="false" name="LoansReceivableMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="sofi_DerecognitionOfSecuritizationInvestments" abstract="false" name="DerecognitionOfSecuritizationInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_EthereumMember" abstract="true" name="EthereumMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_LetterOfCreditCollateralAmount" abstract="false" name="LetterOfCreditCollateralAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_LoansReceivableAtAmortizedCostAmount" abstract="false" name="LoansReceivableAtAmortizedCostAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="sofi_TechnologyPlatformSegmentMember" abstract="true" name="TechnologyPlatformSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="sofi_VariableInterestEntityNonconsolidatedExercisedSecuritizationCleanUpCallsNumberOfEntities" abstract="false" name="VariableInterestEntityNonconsolidatedExercisedSecuritizationCleanUpCallsNumberOfEntities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="sofi_StockIssuedDuringPeriodSharesAcquisitionsNetOfForfeitures" abstract="false" name="StockIssuedDuringPeriodSharesAcquisitionsNetOfForfeitures" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="sofi_ContractWithCustomerLiabilityRevenueRecognizedIncludingOpeningBalance" abstract="false" name="ContractWithCustomerLiabilityRevenueRecognizedIncludingOpeningBalance" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
