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<?xml version="1.0" encoding="windows-1252"?> |
<!-- XBRL Document Created with Wdesk from Workiva --> |
<!-- Copyright 2023 Workiva --> |
<!-- r:8fb2bb95-1ea3-4b2b-9d75-9ddd93236b2e,g:07412fe0-0e30-4759-8801-b33dc383f6b5 --> |
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:cacc="http://creditacceptance.com/20230602" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://creditacceptance.com/20230602"> |
| <xs:import namespace="http://www.w3.org/1999/xlink" schemaLocation="http://www.xbrl.org/2003/xlink-2003-12-31.xsd"/> |
| <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/> |
| <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/> |
| <xs:import namespace="http://xbrl.sec.gov/dei/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd"/> |
| <xs:annotation> |
| | <xs:appinfo> |
| | | <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cacc-20230602_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/> |
| | | <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cacc-20230602_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/> |
| | | <link:roleType id="Cover" roleURI="http://creditacceptance.com/role/Cover"> |
| <link:definition> 0000001 - Document - Cover </link:definition> |
| <link:usedOn> link:presentationLink </link:usedOn> |
| <link:usedOn> link:calculationLink </link:usedOn> |
| <link:usedOn> link:definitionLink </link:usedOn> |
| </link:roleType> |
| | | </xs:appinfo> |
| | </xs:annotation> |
| </xs:schema> |