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  <xs:element id="kar_LongtermDebtCreditAgreementAxis" abstract="true" name="LongtermDebtCreditAgreementAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="kar_LongTermDebtCreditAgreementDomain" abstract="true" name="LongTermDebtCreditAgreementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kar_CreditAgreementMember" abstract="true" name="CreditAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_CanadianRevolvingCreditFacilityMember" abstract="true" name="CanadianRevolvingCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kar_MarketplaceMember" abstract="true" name="MarketplaceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_AFCMember" abstract="true" name="AFCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_FinanceMember" abstract="true" name="FinanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_BusinessDetailsLineItems" abstract="true" name="BusinessDetailsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="kar_NumberOfVehicleLogisticsCenterLocationsCanada" abstract="false" name="NumberOfVehicleLogisticsCenterLocationsCanada" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="kar_NumberOfLocationsForFloorplanFinancing" abstract="false" name="NumberOfLocationsForFloorplanFinancing" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="kar_PRSUsAdjustedEBITDAMember" abstract="true" name="PRSUsAdjustedEBITDAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_PRSUsTSRPRSUsMember" abstract="true" name="PRSUsTSRPRSUsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfEqualAnnualInstallmentsForAwardVesting" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfEqualAnnualInstallmentsForAwardVesting" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="kar_October2019ShareRepurchaseProgramMember" abstract="true" name="October2019ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_A2025ShareRepurchaseProgramMember" abstract="true" name="A2025ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kar_StockRepurchasedAndRetiredWeightedAveragePricePerShare" abstract="false" name="StockRepurchasedAndRetiredWeightedAveragePricePerShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="kar_SecuritiesExcludedFromCalculationOfEarningsPerShareAmountDueToPerformanceConditionsNotYetSatisfied" abstract="false" name="SecuritiesExcludedFromCalculationOfEarningsPerShareAmountDueToPerformanceConditionsNotYetSatisfied" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="kar_AFCFundingCorporationMember" abstract="true" name="AFCFundingCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_AutomotiveFinanceCanadaIncMember" abstract="true" name="AutomotiveFinanceCanadaIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_FloorplanReceivablesMember" abstract="true" name="FloorplanReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_OtherLoansMember" abstract="true" name="OtherLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_FinancingReceivableCommittedLiquidity" abstract="false" name="FinancingReceivableCommittedLiquidity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kar_FinancingReceivablePastDueNumberOfDays" abstract="false" name="FinancingReceivablePastDueNumberOfDays" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="kar_AccruedInterestAndFeesOnFinanceReceivablesManaged" abstract="false" name="AccruedInterestAndFeesOnFinanceReceivablesManaged" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kar_FinanceReceivablesPledgedAsSecurity" abstract="false" name="FinanceReceivablesPledgedAsSecurity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kar_CashReserveAsPercentageOfFinancingReceivableSecuritized" abstract="false" name="CashReserveAsPercentageOfFinancingReceivableSecuritized" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="kar_CashReserveasPercentageofFinancingReceivableSecuritizedCircumstanceTwo" abstract="false" name="CashReserveasPercentageofFinancingReceivableSecuritizedCircumstanceTwo" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="kar_TransfersAccountedForAsSecuredBorrowingsAssociatedLiabilitiesGrossAmount" abstract="false" name="TransfersAccountedForAsSecuredBorrowingsAssociatedLiabilitiesGrossAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kar_FinancingReceivableAllowanceForCreditLossesOther" abstract="false" name="FinancingReceivableAllowanceForCreditLossesOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kar_ADESATradeNamesIndefiniteMember" abstract="true" name="ADESATradeNamesIndefiniteMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kar_EuropeanLineofCreditMember" abstract="true" name="EuropeanLineofCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_DebtInstrumentAdjustedTermSOFRMember" abstract="true" name="DebtInstrumentAdjustedTermSOFRMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kar_DebtInstrumentAdjustedTermCORRAMember" abstract="true" name="DebtInstrumentAdjustedTermCORRAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kar_DebtInstrumentEuriborRateMember" abstract="true" name="DebtInstrumentEuriborRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_SwingLineLoanMember" abstract="true" name="SwingLineLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="kar_CanadianSubLimitMember" abstract="true" name="CanadianSubLimitMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kar_RevolvingCreditFacilitiesMember" abstract="true" name="RevolvingCreditFacilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kar_DebtInstrumentVariableRateBaseMember" abstract="true" name="DebtInstrumentVariableRateBaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kar_CanadianPrimeRateMember" abstract="true" name="CanadianPrimeRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="kar_DebtInstrumentPercentageOfEquityInterestOfEntityAndDomesticSubsidiariesOfSubsidiaryGuarantorsPledge" abstract="false" name="DebtInstrumentPercentageOfEquityInterestOfEntityAndDomesticSubsidiariesOfSubsidiaryGuarantorsPledge" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="kar_DebtInstrumentPercentageOfEquityInterestOfEntityAndForeignSubsidiariesOfSubsidiaryGuarantorsPledge" abstract="false" name="DebtInstrumentPercentageOfEquityInterestOfEntityAndForeignSubsidiariesOfSubsidiaryGuarantorsPledge" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="kar_CreditFacilityConsolidatedSeniorSecuredNetLeverageRatio" abstract="false" name="CreditFacilityConsolidatedSeniorSecuredNetLeverageRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="kar_SignificantChangeInLegalAndRegulatoryProceedings" abstract="false" name="SignificantChangeInLegalAndRegulatoryProceedings" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="kar_PercentofForeignRevenueFromCanada" abstract="false" name="PercentofForeignRevenueFromCanada" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
</xs:schema>
