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  <xs:element id="rcii_IncreaseDecreaseofOperatingLeasesNet" abstract="false" name="IncreaseDecreaseofOperatingLeasesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="rcii_DocumentandEntityInformationAbstract" abstract="true" name="DocumentandEntityInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="rcii_TradeandNotesReceivablesMember" abstract="true" name="TradeandNotesReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
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  <xs:element id="rcii_FranchiseRoyaltyIncomeAndFees" abstract="false" name="FranchiseRoyaltyIncomeAndFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_VestingPercentageofPerformanceBasedRestrictedStockUnits" abstract="false" name="VestingPercentageofPerformanceBasedRestrictedStockUnits" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="rcii_Amortizationperiodforvendorrelationshipsmaximum" abstract="false" name="Amortizationperiodforvendorrelationshipsmaximum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rcii_MaximumperiodofpastduerequiredtochargeoffremainingbookvalueofrentalmerchandiseforPreferredLeasesegment" abstract="false" name="MaximumperiodofpastduerequiredtochargeoffremainingbookvalueofrentalmerchandiseforPreferredLeasesegment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rcii_SmartphonesMember" abstract="true" name="SmartphonesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_RentalMerchandisePolicyTextBlock" abstract="false" name="RentalMerchandisePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
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  <xs:element id="rcii_DeferredTaxLiabilitiesRentalMerchandise" abstract="false" name="DeferredTaxLiabilitiesRentalMerchandise" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="rcii_MinimumPeriodofPastDueRequiredtoChargeOffinstallmentNotes" abstract="false" name="MinimumPeriodofPastDueRequiredtoChargeOffinstallmentNotes" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rcii_SeniorNotesAxis" abstract="true" name="SeniorNotesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="rcii_CapitalizedsoftwarewritedownMember" abstract="true" name="CapitalizedsoftwarewritedownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_COVID19PandemicMember" abstract="true" name="COVID19PandemicMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_ProceedsfromLegalSettlementNetofLegalFees" abstract="false" name="ProceedsfromLegalSettlementNetofLegalFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="rcii_DefinedContributionPlanPercentofCompanyStockPurchased" abstract="false" name="DefinedContributionPlanPercentofCompanyStockPurchased" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="rcii_InsuranceproceedsMember" abstract="true" name="InsuranceproceedsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_Storerevenues" abstract="false" name="Storerevenues" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_MajorPropertyClassUsefulLifeLineItems" abstract="true" name="MajorPropertyClassUsefulLifeLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_Weightedaverageremainingleaseterm" abstract="false" name="Weightedaverageremainingleaseterm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
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  <xs:element id="rcii_AccruedCompensationexcludesPayrollTaxes" abstract="false" name="AccruedCompensationexcludesPayrollTaxes" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_FairValueAbstract" abstract="true" name="FairValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_IcfrAuditorAttestationFlag" abstract="false" name="IcfrAuditorAttestationFlag" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:booleanItemType"/>
  <xs:element id="rcii_SeniorDebtMaximumBorrowingCapacity" abstract="false" name="SeniorDebtMaximumBorrowingCapacity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_FranchiseCostOfMerchandiseSold" abstract="false" name="FranchiseCostOfMerchandiseSold" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_Seniordebtamountoutstanding" abstract="false" name="Seniordebtamountoutstanding" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_TransportationEquipment" abstract="false" name="TransportationEquipment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_NumberofStoresAcquiredMergedwithExistingStores" abstract="false" name="NumberofStoresAcquiredMergedwithExistingStores" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="rcii_MinimumPeriodinHeldforRentstatusneededfordepreciationofmerchandise" abstract="false" name="MinimumPeriodinHeldforRentstatusneededfordepreciationofmerchandise" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
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  <xs:element id="rcii_DebtIssuanceCostsMember" abstract="true" name="DebtIssuanceCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_Unsecuredlineofcreditamountoutstanding" abstract="false" name="Unsecuredlineofcreditamountoutstanding" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_Numberofretailinstallmentsalesstores" abstract="false" name="Numberofretailinstallmentsalesstores" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="rcii_ConsolidatedStatementsofComprehensiveIncomeLossAbstract" abstract="true" name="ConsolidatedStatementsofComprehensiveIncomeLossAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_RentalMerchandiseOnRentNet" abstract="false" name="RentalMerchandiseOnRentNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_IncomeTaxesAbstract" abstract="true" name="IncomeTaxesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_IntangibleAssetsandAcquisitionsLineItems" abstract="true" name="IntangibleAssetsandAcquisitionsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_OtherStoreRevenue" abstract="false" name="OtherStoreRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_SegmentInformationAbstract" abstract="true" name="SegmentInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="rcii_BlairsettlementMember" abstract="true" name="BlairsettlementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_IncreaseDecreaseInRentalMerchandise" abstract="false" name="IncreaseDecreaseInRentalMerchandise" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_StockBasedCompensationAbstract" abstract="true" name="StockBasedCompensationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="rcii_SeniorNotesDue2021Member" abstract="true" name="SeniorNotesDue2021Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_SeniorDebtMember" abstract="true" name="SeniorDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_VendorAllowances" abstract="false" name="VendorAllowances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_MerchandiseSales" abstract="false" name="MerchandiseSales" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_Originalissuediscount" abstract="false" name="Originalissuediscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_MaximumperiodofpastduerequiredtochargeoffremainingbookvalueofrentalmerchandiseforRentACenterandMexicosegments" abstract="false" name="MaximumperiodofpastduerequiredtochargeoffremainingbookvalueofrentalmerchandiseforRentACenterandMexicosegments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rcii_SeniorNotesLineItems" abstract="true" name="SeniorNotesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_SocialUnrestMember" abstract="true" name="SocialUnrestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_RentalMerchandiseDisclosureTextBlock" abstract="false" name="RentalMerchandiseDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType"/>
  <xs:element id="rcii_MinimumPeriodinHeldforRentstatusneededfordepreciationofsmartphones" abstract="false" name="MinimumPeriodinHeldforRentstatusneededfordepreciationofsmartphones" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rcii_COVIDRentAbatement" abstract="false" name="COVIDRentAbatement" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_IncrementallegalandprofessionalfeesMember" abstract="true" name="IncrementallegalandprofessionalfeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_FranchisingMember" abstract="true" name="FranchisingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_NumberofstoresinMexico" abstract="false" name="NumberofstoresinMexico" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="rcii_OriginalIssueDiscountMember" abstract="true" name="OriginalIssueDiscountMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_StockRepurchasePlanAbstract" abstract="true" name="StockRepurchasePlanAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_ConsolidatedStatementofStockholdersEquityAbstract" abstract="true" name="ConsolidatedStatementofStockholdersEquityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_InternallyDevelopedSoftwareMember" abstract="true" name="InternallyDevelopedSoftwareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_MajorPropertyClassUsefulLifeAxis" abstract="true" name="MajorPropertyClassUsefulLifeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="rcii_DiscretionaryContributionunderDeferredCompensationPlan" abstract="false" name="DiscretionaryContributionunderDeferredCompensationPlan" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_CostOfMerchandiseSold" abstract="false" name="CostOfMerchandiseSold" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_StatetaxauditassessmentsMember" abstract="true" name="StatetaxauditassessmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_MerchantsPreferredMember" abstract="true" name="MerchantsPreferredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_OtherChargesTypesAxis" abstract="true" name="OtherChargesTypesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="rcii_NatureofOperationsDetailsAbstract" abstract="true" name="NatureofOperationsDetailsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_OtherstoreexpensesMember" abstract="true" name="OtherstoreexpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_CostSavingsInitiativeMember" abstract="true" name="CostSavingsInitiativeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_SeniorNotesDue2020Member" abstract="true" name="SeniorNotesDue2020Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_SubsidiaryGuarantorsSeniorNotesAbstract" abstract="true" name="SubsidiaryGuarantorsSeniorNotesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_Amortizationperiodforacquiredcustomerrelationships" abstract="false" name="Amortizationperiodforacquiredcustomerrelationships" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rcii_SeniorNotesDomain" abstract="true" name="SeniorNotesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_CorporateHeadquartersMember" abstract="true" name="CorporateHeadquartersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_Requiredminimumconsolidatedfixedchargecoverageratio" abstract="false" name="Requiredminimumconsolidatedfixedchargecoverageratio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
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  <xs:element id="rcii_MajorPropertyClassUsefulLifeTable" abstract="true" name="MajorPropertyClassUsefulLifeTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="rcii_DeferredTaxAssetsLeaseObligation" abstract="false" name="DeferredTaxAssetsLeaseObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_MaximumPeriodusedfordepreciationofMerchandiseHeldforRent" abstract="false" name="MaximumPeriodusedfordepreciationofMerchandiseHeldforRent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rcii_LocationTypeDomain" abstract="true" name="LocationTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_MexicoMember" abstract="true" name="MexicoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_NumberofstateswithFranchisedstores" abstract="false" name="NumberofstateswithFranchisedstores" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="rcii_OtherChargesOperatingExpensesAbstract" abstract="true" name="OtherChargesOperatingExpensesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_StoreConsolidationPlanNumberofStoresClosed" abstract="false" name="StoreConsolidationPlanNumberofStoresClosed" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="rcii_RentalPurchaseAgreementDeferredRevenue" abstract="false" name="RentalPurchaseAgreementDeferredRevenue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_AppliancesMember" abstract="true" name="AppliancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_DeferredCompensationArrangementwithIndividualMaximumContributionPercentofCompensation" abstract="false" name="DeferredCompensationArrangementwithIndividualMaximumContributionPercentofCompensation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType"/>
  <xs:element id="rcii_NumberofTransactions" abstract="false" name="NumberofTransactions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="rcii_NumberofStoresAcquiredRemainingOpen" abstract="false" name="NumberofStoresAcquiredRemainingOpen" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="rcii_InstallmentSalesReceivableMember" abstract="true" name="InstallmentSalesReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_MaximumPeriodusedfordepreciationofsmartphonesHeldforRent" abstract="false" name="MaximumPeriodusedfordepreciationofsmartphonesHeldforRent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rcii_DisposaloffixedassetsMember" abstract="true" name="DisposaloffixedassetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_SeniorNotesDue2029Member" abstract="true" name="SeniorNotesDue2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
  <xs:element id="rcii_BuildingandLeaseholdImprovements" abstract="false" name="BuildingandLeaseholdImprovements" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rcii_NatureofOperationsandSummaryofAccountingPoliciesAbstract" abstract="true" name="NatureofOperationsandSummaryofAccountingPoliciesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rcii_OthersettlementsMember" abstract="true" name="OthersettlementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType"/>
</xs:schema>
