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  <xsd:element abstract="true" id="atlc_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
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  <xsd:element id="atlc_OperatingLeaseLiabilityAndPaymentsToBeReceivedMaturityTableTextBlock" name="OperatingLeaseLiabilityAndPaymentsToBeReceivedMaturityTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
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  <xsd:element id="atlc_OperatingLeaseNetLeasePaymentsDueYearTwo" name="OperatingLeaseNetLeasePaymentsDueYearTwo" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="atlc_OperatingLeasesNetLeasePaymentsDueTotal" name="OperatingLeasesNetLeasePaymentsDueTotal" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="atlc_OperatingLeasesNetLeasePaymentsDueYearFour" name="OperatingLeasesNetLeasePaymentsDueYearFour" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="atlc_OperatingLeasesNetLeasePaymentsRemainderOfFiscalYear" name="OperatingLeasesNetLeasePaymentsRemainderOfFiscalYear" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="atlc_OperatingLeasesOptionsToExtendForAdditionalPeriodsRevolvingPeriods" name="OperatingLeasesOptionsToExtendForAdditionalPeriodsRevolvingPeriods" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_OtherSecuredDebtMember" name="OtherSecuredDebtMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_OtherUnsecuredLendingProductsMember" name="OtherUnsecuredLendingProductsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlc_PaymentsForPurchasesAndDevelopmentOfPropertyNetOfDisposals" name="PaymentsForPurchasesAndDevelopmentOfPropertyNetOfDisposals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_PhoenixMember" name="PhoenixMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlc_PreferredStockAggregateOfferingPrice" name="PreferredStockAggregateOfferingPrice" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="atlc_PreferredUnitPurchasePrice" name="PreferredUnitPurchasePrice" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType" xbrli:periodType="instant"/>
  <xsd:element id="atlc_PreferredUnitsIssuedMaximumPercentagePointsOfPreferredReturnInFormOfIssuanceOfAdditionalUnitsOrCash" name="PreferredUnitsIssuedMaximumPercentagePointsOfPreferredReturnInFormOfIssuanceOfAdditionalUnitsOrCash" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="atlc_PreferredUnitsIssuedPercentageOfPreferredReturn" name="PreferredUnitsIssuedPercentageOfPreferredReturn" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="atlc_PrivateLabelCreditMember" name="PrivateLabelCreditMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlc_ProceedsFromIssuanceOfPreferredStockAndPreferenceStockNet" name="ProceedsFromIssuanceOfPreferredStockAndPreferenceStockNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="atlc_ProvisionForLossesOnLoansAndFeesReceivableRecordedAtNetRealizableValue" name="ProvisionForLossesOnLoansAndFeesReceivableRecordedAtNetRealizableValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_PublicOfferingMember" name="PublicOfferingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringAugust52024Member" name="RevolvingCreditFacilityExpiringAugust52024Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringDecember152026Member" name="RevolvingCreditFacilityExpiringDecember152026Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringJanuary152025Member" name="RevolvingCreditFacilityExpiringJanuary152025Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringJuly152023Member" name="RevolvingCreditFacilityExpiringJuly152023Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringJuly202023Member" name="RevolvingCreditFacilityExpiringJuly202023Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringJune162025Member" name="RevolvingCreditFacilityExpiringJune162025Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringMarch152024Member" name="RevolvingCreditFacilityExpiringMarch152024Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringMarch152025Member" name="RevolvingCreditFacilityExpiringMarch152025Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringMarch152028Member" name="RevolvingCreditFacilityExpiringMarch152028Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringMay152024Member" name="RevolvingCreditFacilityExpiringMay152024Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringMay152026Member" name="RevolvingCreditFacilityExpiringMay152026Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringMay152030Member" name="RevolvingCreditFacilityExpiringMay152030Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringNovember12025Member" name="RevolvingCreditFacilityExpiringNovember12025Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringOctober152025Member" name="RevolvingCreditFacilityExpiringOctober152025Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_RevolvingCreditFacilityExpiringOctober302024Member" name="RevolvingCreditFacilityExpiringOctober302024Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_SecondTermFacilityMember" name="SecondTermFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_SecuredByTheFinancialAndOperatingAssetsOfCARMember" name="SecuredByTheFinancialAndOperatingAssetsOfCARMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_SecuredOvernightFinancingRateSOFRMember" name="SecuredOvernightFinancingRateSOFRMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_SeniorSecuredTermLoanFacilityMember" name="SeniorSecuredTermLoanFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_ServiceChargesAndOtherCustomerRelatedFeesMember" name="ServiceChargesAndOtherCustomerRelatedFeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_ServicingIncomeMember" name="ServicingIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlc_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingAmortizationPeriod" name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingAmortizationPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlc_SharebasedCompensationTaxChargesToAdditionalPaidInCapitalFromExerciseAndVesting" name="SharebasedCompensationTaxChargesToAdditionalPaidInCapitalFromExerciseAndVesting" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="atlc_StockIssuanceProgramTextBlock" name="StockIssuanceProgramTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlc_StockRepurchasedAndRetiredDuringPeriodSharesPreferredShares" name="StockRepurchasedAndRetiredDuringPeriodSharesPreferredShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlc_StockRepurchasedAndRetiredDuringPeriodValueCommonShares" name="StockRepurchasedAndRetiredDuringPeriodValueCommonShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="atlc_StockRepurchasedAndRetiredDuringPeriodValuePreferredShares" name="StockRepurchasedAndRetiredDuringPeriodValuePreferredShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="atlc_TemporaryEquityConversionPricePerShare" name="TemporaryEquityConversionPricePerShare" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="atlc_TermFacilityMember" name="TermFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_TermNoteMember" name="TermNoteMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_TheFourthAmended2014PlanMember" name="TheFourthAmended2014PlanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_UnfundedIndividualCreditCommitmentMember" name="UnfundedIndividualCreditCommitmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_UnfundedOutstandingFloorplanFinancingCommitmentMember" name="UnfundedOutstandingFloorplanFinancingCommitmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlc_UnrealizedGainOnLoansAndFeesReceivableAndUnderlyingNotesPayableHeldAtFairValue" name="UnrealizedGainOnLoansAndFeesReceivableAndUnderlyingNotesPayableHeldAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="atlc_WeightedAverageNumberOfSharesUnvestedSharebasedPaymentAwardsBasic" name="WeightedAverageNumberOfSharesUnvestedSharebasedPaymentAwardsBasic" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="atlc_WeightedAverageRemainingAccretionPeriodOfDeferredRevenue" name="WeightedAverageRemainingAccretionPeriodOfDeferredRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-11-net-income-attributable-to-controlling-interests-per-common-share-summary-of-earning-per-share-details" name="statement-statement-note-11-net-income-attributable-to-controlling-interests-per-common-share-summary-of-earning-per-share-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-11-net-income-attributable-to-controlling-interests-per-common-share-tables" name="statement-statement-note-11-net-income-attributable-to-controlling-interests-per-common-share-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-12-stockbased-compensation-summary-of-outstanding-options-details" name="statement-statement-note-12-stockbased-compensation-summary-of-outstanding-options-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-12-stockbased-compensation-tables" name="statement-statement-note-12-stockbased-compensation-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-components-of-revenue-from-contracts-with-customers-details" name="statement-statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-components-of-revenue-from-contracts-with-customers-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-summary-of-aging-of-delinquent-loans-and-fees-receivable-details" name="statement-statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-summary-of-aging-of-delinquent-loans-and-fees-receivable-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-summary-of-allowance-for-uncollectible-loans-and-fees-receivable-details" name="statement-statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-summary-of-allowance-for-uncollectible-loans-and-fees-receivable-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-summary-of-troubled-debt-restructurings-details" name="statement-statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-summary-of-troubled-debt-restructurings-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-tables" name="statement-statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-3-segment-reporting-summary-of-operating-segment-information-details" name="statement-statement-note-3-segment-reporting-summary-of-operating-segment-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-3-segment-reporting-tables" name="statement-statement-note-3-segment-reporting-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-values-of-assets-and-liabilities-quantitative-information-about-level-3-assets-and-liabilities-fair-value-measurements-details" name="statement-statement-note-6-fair-values-of-assets-and-liabilities-quantitative-information-about-level-3-assets-and-liabilities-fair-value-measurements-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-values-of-assets-and-liabilities-reconciliation-of-level-3-assets-details" name="statement-statement-note-6-fair-values-of-assets-and-liabilities-reconciliation-of-level-3-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-values-of-assets-and-liabilities-summary-of-fair-value-hierarchy-for-assets-details" name="statement-statement-note-6-fair-values-of-assets-and-liabilities-summary-of-fair-value-hierarchy-for-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-values-of-assets-and-liabilities-summary-of-fair-value-hierarchy-for-liabilities-details" name="statement-statement-note-6-fair-values-of-assets-and-liabilities-summary-of-fair-value-hierarchy-for-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-values-of-assets-and-liabilities-summary-of-other-relevant-data-details" name="statement-statement-note-6-fair-values-of-assets-and-liabilities-summary-of-other-relevant-data-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-6-fair-values-of-assets-and-liabilities-tables" name="statement-statement-note-6-fair-values-of-assets-and-liabilities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-7-variable-interest-entities-summary-of-variable-interest-entities-details" name="statement-statement-note-7-variable-interest-entities-summary-of-variable-interest-entities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-7-variable-interest-entities-tables" name="statement-statement-note-7-variable-interest-entities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-8-leases-lease-cost-details" name="statement-statement-note-8-leases-lease-cost-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-8-leases-maturities-of-lease-liabilities-details" name="statement-statement-note-8-leases-maturities-of-lease-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-8-leases-tables" name="statement-statement-note-8-leases-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-9-notes-payable-schedule-of-notes-payable-at-face-value-and-notes-payable-to-related-parties-details" name="statement-statement-note-9-notes-payable-schedule-of-notes-payable-at-face-value-and-notes-payable-to-related-parties-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-9-notes-payable-schedule-of-notes-payable-at-face-value-and-notes-payable-to-related-parties-details-parentheticals" name="statement-statement-note-9-notes-payable-schedule-of-notes-payable-at-face-value-and-notes-payable-to-related-parties-details-parentheticals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-note-9-notes-payable-tables" name="statement-statement-note-9-notes-payable-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="atlc_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
