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  <xs:element id="prg_NumberOfInterestFreeInstallments" abstract="false" name="NumberOfInterestFreeInstallments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="prg_LeaseAgreementLeasePeriodUsedAsAssetUsefulLife" abstract="false" name="LeaseAgreementLeasePeriodUsedAsAssetUsefulLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="prg_AccountsReceivableCreditLossExpenseReversalExcludingDiscontinuedOperations" abstract="false" name="AccountsReceivableCreditLossExpenseReversalExcludingDiscontinuedOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_LeaseMerchandiseNet" abstract="false" name="LeaseMerchandiseNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_BookValueOfLeaseMerchandiseSoldOrDisposed" abstract="false" name="BookValueOfLeaseMerchandiseSoldOrDisposed" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_FICOScoreNoScoreIdentifiedMember" abstract="true" name="FICOScoreNoScoreIdentifiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_FederalTradeCommissionInquiryMember" abstract="true" name="FederalTradeCommissionInquiryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_LossContingencyMaximumInterestRateSought" abstract="false" name="LossContingencyMaximumInterestRateSought" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="prg_IncreaseDecreaseInOperatingAssetsAndLiabilitiesAbstract" abstract="true" name="IncreaseDecreaseInOperatingAssetsAndLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="prg_ComplaintReViolationOfThePennsylvaniaRentalPurchaseAgreementActMember" abstract="true" name="ComplaintReViolationOfThePennsylvaniaRentalPurchaseAgreementActMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_FinancingReceivableYearOneOriginatedInCurrentFiscalYearWriteoff" abstract="false" name="FinancingReceivableYearOneOriginatedInCurrentFiscalYearWriteoff" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_AccruedVendorRebates" abstract="false" name="AccruedVendorRebates" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_LeaseAgreementPeriod" abstract="false" name="LeaseAgreementPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="prg_IncreaseDecreaseOperatingLeaseRightOfUseAssetsAndLiability" abstract="false" name="IncreaseDecreaseOperatingLeaseRightOfUseAssetsAndLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_FinancingReceivableCreditTermsMerchantFeePercentPromotionalInterestPeriodTwo" abstract="false" name="FinancingReceivableCreditTermsMerchantFeePercentPromotionalInterestPeriodTwo" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="prg_FinancingReceivableCreditTermsMerchantFeePercentPromotionalInterestPeriodOne" abstract="false" name="FinancingReceivableCreditTermsMerchantFeePercentPromotionalInterestPeriodOne" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="prg_FinancingReceivableCreditTermsPrivilegePeriod" abstract="false" name="FinancingReceivableCreditTermsPrivilegePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="prg_InventoryProvisionForWriteOff" abstract="false" name="InventoryProvisionForWriteOff" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_FinancingReceivablePercentageOfLoanPortfolioPerFICOScore" abstract="false" name="FinancingReceivablePercentageOfLoanPortfolioPerFICOScore" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="prg_PrepaidSoftwareExpenses" abstract="false" name="PrepaidSoftwareExpenses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_FinancingReceivableCreditTermsMinimumPaymentRequiredPercentageofOutstandingLoanBalance" abstract="false" name="FinancingReceivableCreditTermsMinimumPaymentRequiredPercentageofOutstandingLoanBalance" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="prg_DebtInstrumentIssuancePercentageOfParValue" abstract="false" name="DebtInstrumentIssuancePercentageOfParValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="prg_AccruedUnrecognizedTaxBenefitsIncludingInterest" abstract="false" name="AccruedUnrecognizedTaxBenefitsIncludingInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_SignificantAccountingPoliciesLineItems" abstract="true" name="SignificantAccountingPoliciesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="prg_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosurePolicyPolicyTextBlock" abstract="false" name="OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosurePolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="prg_POSPartnersMember" abstract="true" name="POSPartnersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_LeaseMerchandiseSalvageValuePercentage" abstract="false" name="LeaseMerchandiseSalvageValuePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="prg_SignificantAccountingPoliciesTable" abstract="true" name="SignificantAccountingPoliciesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="prg_LeaseAgreementAxis" abstract="true" name="LeaseAgreementAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="prg_FinancingReceivableCreditTermsMerchantFeePercent" abstract="false" name="FinancingReceivableCreditTermsMerchantFeePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="prg_UnamortizedInitialDirectCostsOnLeaseAgreementsOriginations" abstract="false" name="UnamortizedInitialDirectCostsOnLeaseAgreementsOriginations" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_FinancingReceivableOriginatedPriorToCurrentFiscalYearWriteoff" abstract="false" name="FinancingReceivableOriginatedPriorToCurrentFiscalYearWriteoff" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_SeniorUnsecuredNotes6000Due2029Member" abstract="true" name="SeniorUnsecuredNotes6000Due2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_NotesReceivableGrossChargeOff" abstract="false" name="NotesReceivableGrossChargeOff" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_DepreciationOfLeaseMerchandise" abstract="false" name="DepreciationOfLeaseMerchandise" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_FinancingReceivableCreditTermsPromotionalFeesPercent" abstract="false" name="FinancingReceivableCreditTermsPromotionalFeesPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="prg_ViveFinancialLLCMember" abstract="true" name="ViveFinancialLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_LeaseAgreementDomain" abstract="true" name="LeaseAgreementDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_FinancingReceivableCreditTermsMerchantFeePercentPromotionalInterestPeriodThree" abstract="false" name="FinancingReceivableCreditTermsMerchantFeePercentPromotionalInterestPeriodThree" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="prg_FinancingReceivablePercentCurrent" abstract="false" name="FinancingReceivablePercentCurrent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="prg_ProgressiveFinanceHoldingsLLCMember" abstract="true" name="ProgressiveFinanceHoldingsLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_InventoryRecoveries" abstract="false" name="InventoryRecoveries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_AllowanceForLeaseMerchandiseTableTextBlock" abstract="false" name="AllowanceForLeaseMerchandiseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="prg_AgreementOneMember" abstract="true" name="AgreementOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_CivilPenaltiesForViolationInvolvingConsumersAged60OrOlderMember" abstract="true" name="CivilPenaltiesForViolationInvolvingConsumersAged60OrOlderMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_AccruedRealEstateAndSalesTaxes" abstract="false" name="AccruedRealEstateAndSalesTaxes" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_FinancingReceivableYearTwoOriginatedInCurrentFiscalYearWriteoff" abstract="false" name="FinancingReceivableYearTwoOriginatedInCurrentFiscalYearWriteoff" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_DebtInstrumentCovenantTotalNetDebtToEarningsBeforeInterestDepreciationAndAmortization" abstract="false" name="DebtInstrumentCovenantTotalNetDebtToEarningsBeforeInterestDepreciationAndAmortization" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="prg_ViveMember" abstract="true" name="ViveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_ProvisionForAccountsReceivableCreditLossAndLoanLosses" abstract="false" name="ProvisionForAccountsReceivableCreditLossAndLoanLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_FICOScoreLessthan600Member" abstract="true" name="FICOScoreLessthan600Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_LeaseRevenuesandFeesMember" abstract="true" name="LeaseRevenuesandFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_NonCashLeaseExpense" abstract="false" name="NonCashLeaseExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_DeferredCompensationLiabilitiesFairValueDisclosure" abstract="false" name="DeferredCompensationLiabilitiesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_FourTechnologiesIncMember" abstract="true" name="FourTechnologiesIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_SeniorUnsecuredNotesDue2029Member" abstract="true" name="SeniorUnsecuredNotesDue2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_AdditionsToLeaseMerchandise" abstract="false" name="AdditionsToLeaseMerchandise" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_ScheduleOfDilutiveSecuritiesUsedInCalculationOfDilutedEarningsPerShareTableTableTextBlock" abstract="false" name="ScheduleOfDilutiveSecuritiesUsedInCalculationOfDilutedEarningsPerShareTableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="prg_FinancingReceivableRevolvingWriteoff" abstract="false" name="FinancingReceivableRevolvingWriteoff" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_FinancingReceivableCreditTermsInterestRateFixedAndVariable" abstract="false" name="FinancingReceivableCreditTermsInterestRateFixedAndVariable" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="prg_AccumulatedDepreciationOnLeaseMerchandise" abstract="false" name="AccumulatedDepreciationOnLeaseMerchandise" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_FinancingReceivableUnamortizedFeesAndAllowanceForCreditLosses" abstract="false" name="FinancingReceivableUnamortizedFeesAndAllowanceForCreditLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_InterestandFeesonLoansReceivableMember" abstract="true" name="InterestandFeesonLoansReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_CivilPenaltiesMember" abstract="true" name="CivilPenaltiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_PrepaidLeaseMerchandise" abstract="false" name="PrepaidLeaseMerchandise" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="prg_ProgressiveLeasingMember" abstract="true" name="ProgressiveLeasingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="prg_ProgressiveMember" abstract="true" name="ProgressiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
