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  <xs:element id="upbd_AggregateAmortizationExpenseTableTextBlock" abstract="false" name="AggregateAmortizationExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="upbd_MajorPropertyClassUsefulLifeAxis" abstract="true" name="MajorPropertyClassUsefulLifeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="upbd_MajorPropertyClassUsefulLifeDomain" abstract="true" name="MajorPropertyClassUsefulLifeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_FurnitureequipmentandvehicleMember" abstract="true" name="FurnitureequipmentandvehicleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_InternallyDevelopedSoftwareMember" abstract="true" name="InternallyDevelopedSoftwareMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_RentACenterMember" abstract="true" name="RentACenterMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_AcimaMember" abstract="true" name="AcimaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_NumberofcompanyownedstoresnationwideandinCanadaandPuertoRico" abstract="false" name="NumberofcompanyownedstoresnationwideandinCanadaandPuertoRico" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="upbd_Numberofretailinstallmentsalesstores" abstract="false" name="Numberofretailinstallmentsalesstores" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="upbd_NumberofstoresinMexico" abstract="false" name="NumberofstoresinMexico" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="upbd_NumberofFranchisedstores" abstract="false" name="NumberofFranchisedstores" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="upbd_NumberofstateswithFranchisedstores" abstract="false" name="NumberofstateswithFranchisedstores" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="upbd_MinimumPeriodinHeldforRentstatusneededfordepreciationofmerchandise" abstract="false" name="MinimumPeriodinHeldforRentstatusneededfordepreciationofmerchandise" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_MaximumPeriodusedfordepreciationofMerchandiseHeldforRent" abstract="false" name="MaximumPeriodusedfordepreciationofMerchandiseHeldforRent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_MaximumPeriodusedfordepreciationofsmartphonesHeldforRent" abstract="false" name="MaximumPeriodusedfordepreciationofsmartphonesHeldforRent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_MinimumPeriodinHeldforRentstatusneededfordepreciationofsmartphones" abstract="false" name="MinimumPeriodinHeldforRentstatusneededfordepreciationofsmartphones" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_MaximumPeriodOfPastDueRequiredToChargeOffRemainingBookValueOfRentalMerchandiseForRentACenterAndMexicoSegments" abstract="false" name="MaximumPeriodOfPastDueRequiredToChargeOffRemainingBookValueOfRentalMerchandiseForRentACenterAndMexicoSegments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_MaximumPeriodOfPastDueRequiredToChargeOffRemainingBookValueOfRentalMerchandiseForAcimaSegment" abstract="false" name="MaximumPeriodOfPastDueRequiredToChargeOffRemainingBookValueOfRentalMerchandiseForAcimaSegment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_MaximumPeriodOfPastDueRequiredToChargeOffRemainingBookValueOfRentalMerchandiseForPreferredLeaseSegment" abstract="false" name="MaximumPeriodOfPastDueRequiredToChargeOffRemainingBookValueOfRentalMerchandiseForPreferredLeaseSegment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_ReservesForMerchandiseLosses" abstract="false" name="ReservesForMerchandiseLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_MerchandiseLossesDamagesAndRepairs" abstract="false" name="MerchandiseLossesDamagesAndRepairs" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_MinimumPeriodofPastDueRequiredtoChargeOffinstallmentNotes" abstract="false" name="MinimumPeriodofPastDueRequiredtoChargeOffinstallmentNotes" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_MaximumperiodincurrentstatusallowedtoFranchiseesforpaymentofreceivables" abstract="false" name="MaximumperiodincurrentstatusallowedtoFranchiseesforpaymentofreceivables" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_MinimumperiodofpastduerequiredtowriteoffreceivablesfromFranchisees" abstract="false" name="MinimumperiodofpastduerequiredtowriteoffreceivablesfromFranchisees" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_Amortizationperiodforacquiredcustomerrelationships" abstract="false" name="Amortizationperiodforacquiredcustomerrelationships" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_Amortizationperiodforvendorrelationshipsminimum" abstract="false" name="Amortizationperiodforvendorrelationshipsminimum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_Amortizationperiodforvendorrelationshipsmaximum" abstract="false" name="Amortizationperiodforvendorrelationshipsmaximum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_VendorAllowances" abstract="false" name="VendorAllowances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_BrigitAcquisitionMember" abstract="true" name="BrigitAcquisitionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_RentACenterDivestitureMember" abstract="true" name="RentACenterDivestitureMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_BusinessCombinationDeferredConsideration" abstract="false" name="BusinessCombinationDeferredConsideration" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_BusinessCombinationContingentConsiderationArrangementsEarnOut" abstract="false" name="BusinessCombinationContingentConsiderationArrangementsEarnOut" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_BusinessCombinationDeferredConsiderationInstallmentAmount" abstract="false" name="BusinessCombinationDeferredConsiderationInstallmentAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_NumberOfStoreSold" abstract="false" name="NumberOfStoreSold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="upbd_DisposalGroupIncludingDiscontinuedOperationFranchiseFees" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationFranchiseFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_DisposalGroupIncludingDiscontinuedOperationPropertyAssets" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationPropertyAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_DisposalGroupIncludingDiscontinuedOperationProratedRentAndOtherMiscellaneousExpenses" abstract="false" name="DisposalGroupIncludingDiscontinuedOperationProratedRentAndOtherMiscellaneousExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_NumberofStoresAcquiredRemainingOpen" abstract="false" name="NumberofStoresAcquiredRemainingOpen" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="upbd_NumberofStoresAcquiredMergedwithExistingStores" abstract="false" name="NumberofStoresAcquiredMergedwithExistingStores" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="upbd_NumberofTransactions" abstract="false" name="NumberofTransactions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="upbd_MexicoMember" abstract="true" name="MexicoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_FranchisingMember" abstract="true" name="FranchisingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_TradeandNotesReceivablesMember" abstract="true" name="TradeandNotesReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_OtherDeferredRevenue" abstract="false" name="OtherDeferredRevenue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_FranchiseFeeDeferredRevenue" abstract="false" name="FranchiseFeeDeferredRevenue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_AccruedRevenue" abstract="false" name="AccruedRevenue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_RentalPurchaseAgreementDeferredRevenue" abstract="false" name="RentalPurchaseAgreementDeferredRevenue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_InstallmentSalesReceivableMember" abstract="true" name="InstallmentSalesReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_RentalMerchandiseonRentCost" abstract="false" name="RentalMerchandiseonRentCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_RentalMerchandiseOnRentAccumulatedDepreciation" abstract="false" name="RentalMerchandiseOnRentAccumulatedDepreciation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_RentalMerchandiseHeldforRentCost" abstract="false" name="RentalMerchandiseHeldforRentCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_RentalMerchandiseHeldForRentAccumulatedDepreciation" abstract="false" name="RentalMerchandiseHeldForRentAccumulatedDepreciation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_AcimaHoldingsMember" abstract="true" name="AcimaHoldingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_BuildingandLeaseholdImprovements" abstract="false" name="BuildingandLeaseholdImprovements" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_FurnitureandEquipment" abstract="false" name="FurnitureandEquipment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_TransportationEquipment" abstract="false" name="TransportationEquipment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_CapitalizedSoftwareCostinConstructioninProgress" abstract="false" name="CapitalizedSoftwareCostinConstructioninProgress" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_OtherExpensesMember" abstract="true" name="OtherExpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_ImpairedLongLivedAssetsHeldAndUsedOperatingLeaseRightOfUseAssetMember" abstract="true" name="ImpairedLongLivedAssetsHeldAndUsedOperatingLeaseRightOfUseAssetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_Weightedaverageremainingleaseterm" abstract="false" name="Weightedaverageremainingleaseterm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_VendorRelationshipsMember" abstract="true" name="VendorRelationshipsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_TradenameMember" abstract="true" name="TradenameMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_AccruedCompensationexcludesPayrollTaxes" abstract="false" name="AccruedCompensationexcludesPayrollTaxes" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_DeferredTaxAssetsLeaseObligation" abstract="false" name="DeferredTaxAssetsLeaseObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_DeferredTaxLiabilitiesRentalMerchandise" abstract="false" name="DeferredTaxLiabilitiesRentalMerchandise" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_TermLoanFacilityMember" abstract="true" name="TermLoanFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_ABLCreditFacilityMember" abstract="true" name="ABLCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_ExpensetypeAxis" abstract="true" name="ExpensetypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="upbd_ExpenseTypeDomain" abstract="true" name="ExpenseTypeDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_DebtIssuanceCostsMember" abstract="true" name="DebtIssuanceCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_OriginalIssueDiscountMember" abstract="true" name="OriginalIssueDiscountMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_LondonInterbankOfferedRateLIBOR1Member" abstract="true" name="LondonInterbankOfferedRateLIBOR1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_SecuredOvernightFinancingRateSOFRFloorMember" abstract="true" name="SecuredOvernightFinancingRateSOFRFloorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_LineOfCreditFacilityAdditionalBorrowingCapacityAvailable" abstract="false" name="LineOfCreditFacilityAdditionalBorrowingCapacityAvailable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_Originalissuediscount" abstract="false" name="Originalissuediscount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_DebtInstrumentDecreaseToBasisSpreadOnVariableRate" abstract="false" name="DebtInstrumentDecreaseToBasisSpreadOnVariableRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="upbd_DebtInstrumentPeriodicPaymentPercent" abstract="false" name="DebtInstrumentPeriodicPaymentPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="upbd_TermLoanandRevolvingCreditFacilityMember" abstract="true" name="TermLoanandRevolvingCreditFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_SeniorDebtMaximumBorrowingCapacity" abstract="false" name="SeniorDebtMaximumBorrowingCapacity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_TheNotesMember" abstract="true" name="TheNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_DebtInstrumentRedemptionPricePercentageOfPrincipalAmountPurchased" abstract="false" name="DebtInstrumentRedemptionPricePercentageOfPrincipalAmountPurchased" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="upbd_LossContingencyEscrowedIndemnityAmount" abstract="false" name="LossContingencyEscrowedIndemnityAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_AcimaAcquiredAssetsAmortizationMember" abstract="true" name="AcimaAcquiredAssetsAmortizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_AcimaAcquiredAssetsDepreciationMember" abstract="true" name="AcimaAcquiredAssetsDepreciationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_AcimaAcquiredAssetsDepreciationAndAmortizationMember" abstract="true" name="AcimaAcquiredAssetsDepreciationAndAmortizationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_LegalSettlementReserveMember" abstract="true" name="LegalSettlementReserveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_AcceleratedSoftwareDepreciationMember" abstract="true" name="AcceleratedSoftwareDepreciationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_AssetImpairmentsMember" abstract="true" name="AssetImpairmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_AcceleratedStockCompensationMember" abstract="true" name="AcceleratedStockCompensationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_AcimaEquityConsiderationVestingMember" abstract="true" name="AcimaEquityConsiderationVestingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_BrigitTransactionFeesMember" abstract="true" name="BrigitTransactionFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_EstimatedSettlementAccrualsMember" abstract="true" name="EstimatedSettlementAccrualsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_LitigationAndDefenseExpensesMember" abstract="true" name="LitigationAndDefenseExpensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_ImpairedLongLivedAssetsHeldAndUsedPropertyPlantAndEquipmentMember" abstract="true" name="ImpairedLongLivedAssetsHeldAndUsedPropertyPlantAndEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_DepreciationMember" abstract="true" name="DepreciationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_OtherchargesMember" abstract="true" name="OtherchargesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_OtherMember" abstract="true" name="OtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_A2021PlanMember" abstract="true" name="A2021PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_A2021AmendedPlanMember" abstract="true" name="A2021AmendedPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="upbd_A2016PlanMember" abstract="true" name="A2016PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_A2006PlanMember" abstract="true" name="A2006PlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_EquityIncentivePlanMember" abstract="true" name="EquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_VestingPercentageofPerformanceBasedRestrictedStockUnits" abstract="false" name="VestingPercentageofPerformanceBasedRestrictedStockUnits" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="upbd_MaximumDeferralPercentageofBaseCompensationunderDeferredCompensationPlan" abstract="false" name="MaximumDeferralPercentageofBaseCompensationunderDeferredCompensationPlan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="upbd_MaximumDeferralPercentageofBonusCompensationunderDeferredCompensationPlan" abstract="false" name="MaximumDeferralPercentageofBonusCompensationunderDeferredCompensationPlan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="upbd_DeferredCompensationArrangementwithIndividualMaximumContributionPercentofCompensation" abstract="false" name="DeferredCompensationArrangementwithIndividualMaximumContributionPercentofCompensation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="upbd_DiscretionaryContributionunderDeferredCompensationPlan" abstract="false" name="DiscretionaryContributionunderDeferredCompensationPlan" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_DefinedContributionPlanEmployeeServiceRequirementMinimum" abstract="false" name="DefinedContributionPlanEmployeeServiceRequirementMinimum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_DefinedContributionPlanEmployerMatchingContributionVesting" abstract="false" name="DefinedContributionPlanEmployerMatchingContributionVesting" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="upbd_DefinedContributionPlanPercentofCompanyStockPurchased" abstract="false" name="DefinedContributionPlanPercentofCompanyStockPurchased" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="upbd_SeniorNotesAxis" abstract="true" name="SeniorNotesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="upbd_SeniorNotesDomain" abstract="true" name="SeniorNotesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_AmountOfDifferenceBetweenFairValueAndCarryingValue" abstract="false" name="AmountOfDifferenceBetweenFairValueAndCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="upbd_ShareRepurchase500MillionMember" abstract="true" name="ShareRepurchase500MillionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_RoyaltyFeePercentageMinimum" abstract="false" name="RoyaltyFeePercentageMinimum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="upbd_RoyaltyFeePercentageMaximum" abstract="false" name="RoyaltyFeePercentageMaximum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="upbd_FurnitureandaccessoriesMember" abstract="true" name="FurnitureandaccessoriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_ConsumerelectronicsMember" abstract="true" name="ConsumerelectronicsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_AppliancesMember" abstract="true" name="AppliancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_WheelsAndTiresMember" abstract="true" name="WheelsAndTiresMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_JewelryMember" abstract="true" name="JewelryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_PersonalElectronicsMember" abstract="true" name="PersonalElectronicsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_OtherproductsandservicesMember" abstract="true" name="OtherproductsandservicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="upbd_LeaseChargeOff" abstract="false" name="LeaseChargeOff" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
