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  <xs:element id="afrm_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySubsequentChangesToFairValue" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySubsequentChangesToFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_MeasurementInputProgramProfitabilityMember" abstract="true" name="MeasurementInputProgramProfitabilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementProfitShareLiabilityMeasurementInput" abstract="false" name="CommercialAgreementProfitShareLiabilityMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="afrm_RiskSharingArrangementMember" abstract="true" name="RiskSharingArrangementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf25PercentDecreaseChangeInPrepaymentSpeed" abstract="false" name="SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf25PercentDecreaseChangeInPrepaymentSpeed" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf50PercentDecreaseChangeInPrepaymentSpeed" abstract="false" name="SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf50PercentDecreaseChangeInPrepaymentSpeed" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf25PercentAdverseChangeInLossRate" abstract="false" name="SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf25PercentAdverseChangeInLossRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf50PercentAdverseChangeInLossRate" abstract="false" name="SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf50PercentAdverseChangeInLossRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf25PercentAdverseChangeInDiscountRate" abstract="false" name="SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf25PercentAdverseChangeInDiscountRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf50PercentAdverseChangeInDiscountRate" abstract="false" name="SensitivityAnalysisOfFairValueRiskSharingArrangementImpactOf50PercentAdverseChangeInDiscountRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableHeldForSaleFairValueDisclosure" abstract="false" name="FinancingReceivableHeldForSaleFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableFairValueDisclosure" abstract="false" name="FinancingReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_FinancingReceivableAssetsFairValueDisclosure" abstract="false" name="FinancingReceivableAssetsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_DebtLiabilitiesFairValueDisclosure" abstract="false" name="DebtLiabilitiesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ShareBasedPaymentAgreementOptionFutureGrantMember" abstract="true" name="ShareBasedPaymentAgreementOptionFutureGrantMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementWithAmazonNewUsersAcquiredPriorToFebruary1Member" abstract="true" name="CommercialAgreementWithAmazonNewUsersAcquiredPriorToFebruary1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementWithAmazonNewUsersAcquiredSubsequentToFebruary1Member" abstract="true" name="CommercialAgreementWithAmazonNewUsersAcquiredSubsequentToFebruary1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_CommercialAgreementWithAmazonWarrantsMember" abstract="true" name="CommercialAgreementWithAmazonWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_NumberOfClassesOfCommonStock" abstract="false" name="NumberOfClassesOfCommonStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afrm_CommonStockVotingRightsNumberOfVotesPerShare" abstract="false" name="CommonStockVotingRightsNumberOfVotesPerShare" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afrm_CommonStockConversionRatio" abstract="false" name="CommonStockConversionRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="afrm_ClassOfWarrantsOrRightsExpensesOnGrantDateFairValueOnSaleOfWarrants" abstract="false" name="ClassOfWarrantsOrRightsExpensesOnGrantDateFairValueOnSaleOfWarrants" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightUnrecognizedCompensationExpense" abstract="false" name="ClassOfWarrantOrRightUnrecognizedCompensationExpense" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightCostNotYetRecognizedPeriodForRecognition" abstract="false" name="ClassOfWarrantOrRightCostNotYetRecognizedPeriodForRecognition" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_ClassOfWarrantsAndRightsNumberOfSharesRollForward" abstract="true" name="ClassOfWarrantsAndRightsNumberOfSharesRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightSharesWarrantsGranted" abstract="false" name="ClassOfWarrantOrRightSharesWarrantsGranted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightSharesWarrantsExercised" abstract="false" name="ClassOfWarrantOrRightSharesWarrantsExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightSharesWarrantsCanceled" abstract="false" name="ClassOfWarrantOrRightSharesWarrantsCanceled" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightExercisable" abstract="false" name="ClassOfWarrantOrRightExercisable" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afrm_ClassOfWarrantsAndRightsWeightedAverageExercisePriceRollForward" abstract="true" name="ClassOfWarrantsAndRightsWeightedAverageExercisePriceRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightGrantedWeightedAverageExercisePrice" abstract="false" name="ClassOfWarrantOrRightGrantedWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightExercisedWeightedAverageExercisePrice" abstract="false" name="ClassOfWarrantOrRightExercisedWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightCanceledWeightedAverageExercisePrice" abstract="false" name="ClassOfWarrantOrRightCanceledWeightedAverageExercisePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRightsExercisable" abstract="false" name="ClassOfWarrantOrRightExercisePriceOfWarrantsOrRightsExercisable" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="afrm_ClassOfWarrantsAndRightsWeightedAverageRemainingLifeRollForward" abstract="true" name="ClassOfWarrantsAndRightsWeightedAverageRemainingLifeRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightOutstandingWeightedAverageRemainingLife" abstract="false" name="ClassOfWarrantOrRightOutstandingWeightedAverageRemainingLife" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_ClassOfWarrantOrRightExercisableWeightedAverageRemainingLife" abstract="false" name="ClassOfWarrantOrRightExercisableWeightedAverageRemainingLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_AmendedAndRestated2012StockPlanMember" abstract="true" name="AmendedAndRestated2012StockPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_A2020EmployeeStockPurchasePlanMember" abstract="true" name="A2020EmployeeStockPurchasePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_PerformanceBasedStockOptionsMember" abstract="true" name="PerformanceBasedStockOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_ShareBasedPaymentArrangementExpensePeriodForRecognition" abstract="false" name="ShareBasedPaymentArrangementExpensePeriodForRecognition" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardPurchasePeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPurchasePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharePurchasePriceDiscountPercent" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardSharePurchasePriceDiscountPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afrm_WeightedAverageRemainingContractualTermAbstract" abstract="true" name="WeightedAverageRemainingContractualTermAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afrm_AggregateIntrinsicValueAbstract" abstract="true" name="AggregateIntrinsicValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afrm_TechnologyAndDataAnalyticsExpenseMember" abstract="true" name="TechnologyAndDataAnalyticsExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_ProcessingAndServicingExpenseMember" abstract="true" name="ProcessingAndServicingExpenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_ValueCreationAwardVestedSharesMember" abstract="true" name="ValueCreationAwardVestedSharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_NoelWatsonMember" abstract="true" name="NoelWatsonMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_LiborMichalekMember" abstract="true" name="LiborMichalekMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afrm_MichaelLinfordMember" abstract="true" name="MichaelLinfordMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>