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  <xs:element id="fcfs_RevolvingUnsecuredCreditFacilitydue2024Member" abstract="true" name="RevolvingUnsecuredCreditFacilitydue2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcfs_FinancingReceivableBeforeAllowanceForCreditLossFeePremiumAndDiscount" abstract="false" name="FinancingReceivableBeforeAllowanceForCreditLossFeePremiumAndDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_FinanceReceivableBeforeAllowanceForCreditLossPremiumAndDiscount" abstract="false" name="FinanceReceivableBeforeAllowanceForCreditLossPremiumAndDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_ScheduleOfRevenuesFromExternalCustomersAndAssetsTable" abstract="true" name="ScheduleOfRevenuesFromExternalCustomersAndAssetsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="fcfs_DepreciationAndAmortizationExpense" abstract="false" name="DepreciationAndAmortizationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_ScheduleOfRevenuesFromExternalCustomersAndAssetsLineItems" abstract="true" name="ScheduleOfRevenuesFromExternalCustomersAndAssetsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fcfs_LeasedMerchandiseNetTableTextBlock" abstract="false" name="LeasedMerchandiseNetTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fcfs_LeasedMerchandiseAllowanceForCreditLoss" abstract="false" name="LeasedMerchandiseAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_LeasedMerchandiseAllowanceForCreditLossWriteoff" abstract="false" name="LeasedMerchandiseAllowanceForCreditLossWriteoff" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_DepreciationOfLeasedMerchandise" abstract="false" name="DepreciationOfLeasedMerchandise" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_FinanceReceivableCurrentBeforeAllowanceForCreditLossPremiumAndDiscountYearOne" abstract="false" name="FinanceReceivableCurrentBeforeAllowanceForCreditLossPremiumAndDiscountYearOne" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_FICOScore599OrLessMember" abstract="true" name="FICOScore599OrLessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcfs_BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedLeasedMerchandise" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedLeasedMerchandise" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_BusinessCombinationContingentConsiderationLiabilityFairValueDisclosure" abstract="false" name="BusinessCombinationContingentConsiderationLiabilityFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinanceReceivables" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinanceReceivables" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_BusinessCombinationAcquisitionAndIntegrationRelatedCosts" abstract="false" name="BusinessCombinationAcquisitionAndIntegrationRelatedCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_FinancialAsset1To30DaysPastDueMember" abstract="true" name="FinancialAsset1To30DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcfs_RevolvingUnsecuredUncommittedCreditFacilitydue2023Member" abstract="true" name="RevolvingUnsecuredUncommittedCreditFacilitydue2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcfs_LeasedMerchandiseMerchantPartnerDiscountsAndPremiumsNet" abstract="false" name="LeasedMerchandiseMerchantPartnerDiscountsAndPremiumsNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_PawnSegmentMember" abstract="true" name="PawnSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcfs_CostOfWholesaleScrapJewelrySold" abstract="false" name="CostOfWholesaleScrapJewelrySold" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_FinancingReceivableUnearnedOriginationFees" abstract="false" name="FinancingReceivableUnearnedOriginationFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_ScheduleOfFairValueChangesInAssetsAndLiabilitiesMeasuredOnRecurringBasisLevel3FairValueMeasurementTableTextBlock" abstract="false" name="ScheduleOfFairValueChangesInAssetsAndLiabilitiesMeasuredOnRecurringBasisLevel3FairValueMeasurementTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fcfs_PawnLoanFeesAndServiceChargesReceivable" abstract="false" name="PawnLoanFeesAndServiceChargesReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_DenominatorAbstract" abstract="true" name="DenominatorAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fcfs_BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedNoncurrentLeaseObligation" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedNoncurrentLeaseObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_WholesaleScrapJewelryRevenue" abstract="false" name="WholesaleScrapJewelryRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_FinanceReceivableCurrentBeforeAllowanceForCreditLossPremiumAndDiscountYearThree" abstract="false" name="FinanceReceivableCurrentBeforeAllowanceForCreditLossPremiumAndDiscountYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_NonCashPortionOfCreditLossProvision" abstract="false" name="NonCashPortionOfCreditLossProvision" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_LeasedMerchandiseBeforeAllowanceForLeaseLosses" abstract="false" name="LeasedMerchandiseBeforeAllowanceForLeaseLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_LeasedMerchandiseBeforeFeesPremiumsDiscountsAccumulatedDepreciationAndAllowanceForCreditLoss" abstract="false" name="LeasedMerchandiseBeforeFeesPremiumsDiscountsAccumulatedDepreciationAndAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_MexicanCentralBankInterbankEquilibriumRateTIIEMember" abstract="true" name="MexicanCentralBankInterbankEquilibriumRateTIIEMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcfs_BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedCurrentLeaseObligation" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedCurrentLeaseObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_LeasedMerchandiseAllowanceForCreditLossTableTextBlock" abstract="false" name="LeasedMerchandiseAllowanceForCreditLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fcfs_PawnLoansMember" abstract="true" name="PawnLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcfs_LeasedMerchandiseNet" abstract="false" name="LeasedMerchandiseNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_LineOfCreditFacilityLeverageRatioTemporaryAdjustedEBITDA" abstract="false" name="LineOfCreditFacilityLeverageRatioTemporaryAdjustedEBITDA" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fcfs_FinancialAsset61To90DaysPastDueMember" abstract="true" name="FinancialAsset61To90DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcfs_DebtCovenantTotalDebtRatio" abstract="false" name="DebtCovenantTotalDebtRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fcfs_NetAmortizationOfPremiumsDiscountsAndUnearnedOriginationFeesOnFinanceReceivables" abstract="false" name="NetAmortizationOfPremiumsDiscountsAndUnearnedOriginationFeesOnFinanceReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_A4625SeniorUnsecuredNotesDue2028Member" abstract="true" name="A4625SeniorUnsecuredNotesDue2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcfs_RevolvingUnsecuredCreditFacilityDue2027Member" abstract="true" name="RevolvingUnsecuredCreditFacilityDue2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcfs_FinancialAsset31To60DaysPastDueMember" abstract="true" name="FinancialAsset31To60DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcfs_LineOfCreditFacilityLeverageRatioAdjustedEBITDA" abstract="false" name="LineOfCreditFacilityLeverageRatioAdjustedEBITDA" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="fcfs_FinancingReceivableMerchantPartnerDiscountsAndPremiumsNet" abstract="false" name="FinancingReceivableMerchantPartnerDiscountsAndPremiumsNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_A5625SeniorUnsecuredNotesDue2030Member" abstract="true" name="A5625SeniorUnsecuredNotesDue2030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcfs_LeasedMerchandiseIncome" abstract="false" name="LeasedMerchandiseIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_LeasedMerchandiseAllowanceForCreditLossRollForwardRollForward" abstract="true" name="LeasedMerchandiseAllowanceForCreditLossRollForwardRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fcfs_FinanceReceivableCurrentBeforeAllowanceForCreditLossPremiumAndDiscountYearTwo" abstract="false" name="FinanceReceivableCurrentBeforeAllowanceForCreditLossPremiumAndDiscountYearTwo" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_RetailPOSPaymentSolutionsMember" abstract="true" name="RetailPOSPaymentSolutionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fcfs_PremiumOnNonPCDFinanceReceivables" abstract="false" name="PremiumOnNonPCDFinanceReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOperatingLeaseRightOfUseAsset" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOperatingLeaseRightOfUseAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_PawnLoans" abstract="false" name="PawnLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_PawnLoanFees" abstract="false" name="PawnLoanFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fcfs_LeasedMerchandiseAllowanceForCreditLossRecovery" abstract="false" name="LeasedMerchandiseAllowanceForCreditLossRecovery" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
