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  <xs:element id="ezpw_CashConvertersInternationalLimitedMember" abstract="true" name="CashConvertersInternationalLimitedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_DescriptionofBusinessLineItems" abstract="true" name="DescriptionofBusinessLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ezpw_NumberOfCountriesInWhichStoresOperated" abstract="false" name="NumberOfCountriesInWhichStoresOperated" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ezpw_PawnStoresFloridaMember" abstract="true" name="PawnStoresFloridaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_PercentageOfPawnLoansOutstanding" abstract="false" name="PercentageOfPawnLoansOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ezpw_GrupoFinmartMember" abstract="true" name="GrupoFinmartMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_PLODelBajioS.De.R.L.DeC.V.Member" abstract="true" name="PLODelBajioS.De.R.L.DeC.V.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_MonteProvidenciaAndTuEmpenoEfectivoMember" abstract="true" name="MonteProvidenciaAndTuEmpenoEfectivoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_MonteProvidenciaAndTuEmpenoEfectiveAndPLODelBajoS.De.R.L.DeC.V.Member" abstract="true" name="MonteProvidenciaAndTuEmpenoEfectiveAndPLODelBajoS.De.R.L.DeC.V.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="ezpw_IncomeFromEquityMethodInvestmentReportingPeriod" abstract="false" name="IncomeFromEquityMethodInvestmentReportingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ezpw_DigitalAdvertisingMember" abstract="true" name="DigitalAdvertisingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_CommonStockNumberOfVotes" abstract="false" name="CommonStockNumberOfVotes" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="ezpw_A2.875ConvertibleSeniorNotesDue2024Member" abstract="true" name="A2.875ConvertibleSeniorNotesDue2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_BusinessCombinationContingentConsiderationLiabilityPayableNextFiveYears" abstract="false" name="BusinessCombinationContingentConsiderationLiabilityPayableNextFiveYears" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ezpw_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOperatingLeaseRightOfUseAssets" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOperatingLeaseRightOfUseAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ezpw_EquityMethodInvestmentNumberOfCommonSharesOwned" abstract="false" name="EquityMethodInvestmentNumberOfCommonSharesOwned" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ezpw_EquityMethodInvestmentIncomeLossIncludedInRetainedEarnings" abstract="false" name="EquityMethodInvestmentIncomeLossIncludedInRetainedEarnings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ezpw_FinancingReceivableAfterAllowanceForCreditLossNoncurrentPrincipalAmount" abstract="false" name="FinancingReceivableAfterAllowanceForCreditLossNoncurrentPrincipalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ezpw_InvestmentInUnconsolidatedAffiliateMember" abstract="true" name="InvestmentInUnconsolidatedAffiliateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="ezpw_SeniorNotes7.375Due2032Member" abstract="true" name="SeniorNotes7.375Due2032Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="ezpw_FurnitureAndEquipmentMember" abstract="true" name="FurnitureAndEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="ezpw_PawnLicensesMember" abstract="true" name="PawnLicensesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_FiniteLivedIntangibleAssetExpectedAmortizationYearFiveAndAfterYearFive" abstract="false" name="FiniteLivedIntangibleAssetExpectedAmortizationYearFiveAndAfterYearFive" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ezpw_LongTermIncentivePlan2022Member" abstract="true" name="LongTermIncentivePlan2022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_FiscalYear2025AwardsMember" abstract="true" name="FiscalYear2025AwardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="ezpw_FiscalYear2021AwardsMember" abstract="true" name="FiscalYear2021AwardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="ezpw_RestrictedStockandPhantomShareUnitsMember" abstract="true" name="RestrictedStockandPhantomShareUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="ezpw_NonEmployeeDirectorFourMember" abstract="true" name="NonEmployeeDirectorFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_NonEmployeeDirectorFiveMember" abstract="true" name="NonEmployeeDirectorFiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="ezpw_ShareBasedCompensationArrangementByAdditionalShareBasedPaymentAwardAwardVestingRightsPercentage" abstract="false" name="ShareBasedCompensationArrangementByAdditionalShareBasedPaymentAwardAwardVestingRightsPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ezpw_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsReleasedInPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ezpw_StockIssuedDuringPeriodSharesRestrictedStockAwardWeightedAverageGrantDateFairValue" abstract="false" name="StockIssuedDuringPeriodSharesRestrictedStockAwardWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
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  <xs:element id="ezpw_CurrentStateAndForeignTaxExpenseBenefit" abstract="false" name="CurrentStateAndForeignTaxExpenseBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ezpw_EffectiveIncomeTaxRateReconciliationWithholdingTaxForeignAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationWithholdingTaxForeignAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ezpw_UndistributedLossesofForeignSubsidiaries" abstract="false" name="UndistributedLossesofForeignSubsidiaries" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ezpw_UnrecognizedTaxBenefitsAmountToExpireInLessThanTwelveMonths" abstract="false" name="UnrecognizedTaxBenefitsAmountToExpireInLessThanTwelveMonths" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ezpw_OperatingLeaseCostAbstract" abstract="true" name="OperatingLeaseCostAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
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  <xs:element id="ezpw_FinanceLeaseCostAbstract" abstract="true" name="FinanceLeaseCostAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ezpw_FinanceLeaseCost" abstract="false" name="FinanceLeaseCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ezpw_CorporateOfficeLeaseTwoFiveYearExtensionOptionsMember" abstract="true" name="CorporateOfficeLeaseTwoFiveYearExtensionOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_NonCashIncreaseDecreaseInOperatingLeaseRightOfUseAssetsAndLeaseLiabilities" abstract="false" name="NonCashIncreaseDecreaseInOperatingLeaseRightOfUseAssetsAndLeaseLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ezpw_CorporateOfficeLeaseMember" abstract="true" name="CorporateOfficeLeaseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_OtherInvestmentsSegmentMember" abstract="true" name="OtherInvestmentsSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_GeneralAndAdministrativeExpenseNet" abstract="false" name="GeneralAndAdministrativeExpenseNet" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ezpw_GainLossOnDispositionOfAssetsandOtherContinuingOperations" abstract="false" name="GainLossOnDispositionOfAssetsandOtherContinuingOperations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ezpw_OtherThanUnitedStatesMexicoLatinAmericaMember" abstract="true" name="OtherThanUnitedStatesMexicoLatinAmericaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_ServiceChargesReceivableGross" abstract="false" name="ServiceChargesReceivableGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ezpw_AllowanceForDoubtfulAccountsServiceChargesReceivable" abstract="false" name="AllowanceForDoubtfulAccountsServiceChargesReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ezpw_ServiceChargesReceivableNet" abstract="false" name="ServiceChargesReceivableNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ezpw_PrepaidandReceivableIncomeTaxes" abstract="false" name="PrepaidandReceivableIncomeTaxes" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ezpw_UnrecognizedTaxBenefitsNoncurrent" abstract="false" name="UnrecognizedTaxBenefitsNoncurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ezpw_OtherLiabilitiesMiscellaneousNoncurrent" abstract="false" name="OtherLiabilitiesMiscellaneousNoncurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ezpw_AllowanceForUncollectiblePawnServiceChargesReceivableMember" abstract="true" name="AllowanceForUncollectiblePawnServiceChargesReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ezpw_PawnLoansForfeitedAndTransferredToInventory" abstract="false" name="PawnLoansForfeitedAndTransferredToInventory" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
