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  <xs:element name="IncomeTaxRateReconciliationPermanentDifferences" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="vrm_IncomeTaxRateReconciliationPermanentDifferences"/>
  <xs:element name="DeferredTaxAssetsLeasingArrangements" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="vrm_DeferredTaxAssetsLeasingArrangements"/>
  <xs:element name="DeferredTaxLiabilitiesRepossessionExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="vrm_DeferredTaxLiabilitiesRepossessionExpenses"/>
  <xs:element name="BeneficialInterestsInSecuritizations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="vrm_BeneficialInterestsInSecuritizations"/>
  <xs:element name="FinanceReceivablesAtFairValueNoncurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="vrm_FinanceReceivablesAtFairValueNoncurrent"/>
  <xs:element name="WarehouseCreditFacilitiesCurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="vrm_WarehouseCreditFacilitiesCurrent"/>
  <xs:element name="DescriptionofBusinessandBasisofPresentationDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_DescriptionofBusinessandBasisofPresentationDetailsTable"/>
  <xs:element name="DescriptionofBusinessandBasisofPresentationDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_DescriptionofBusinessandBasisofPresentationDetailsLineItems"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_SummaryofSignificantAccountingPoliciesDetailsTable"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_SummaryofSignificantAccountingPoliciesDetailsLineItems"/>
  <xs:element name="FinancingReceivableHeldForSaleValuationAllowances" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="vrm_FinancingReceivableHeldForSaleValuationAllowances"/>
  <xs:element name="AggregatePrincipalBalanceHeldForSaleAtFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="vrm_AggregatePrincipalBalanceHeldForSaleAtFairValue"/>
  <xs:element name="FinanceReceivablesHeldForSaleFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="vrm_FinanceReceivablesHeldForSaleFairValue"/>
  <xs:element name="AggregatePrincipalBalanceHeldForInvestmentAtFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="vrm_AggregatePrincipalBalanceHeldForInvestmentAtFairValue"/>
  <xs:element name="FinanceReceivablesHeldForInvestmentAtFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="vrm_FinanceReceivablesHeldForInvestmentAtFairValue"/>
  <xs:element name="AmortizationTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_AmortizationTerm"/>
  <xs:element name="PercentageOfProRataCommonStockAgainstAllowedUnsecuredNotes" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="vrm_PercentageOfProRataCommonStockAgainstAllowedUnsecuredNotes"/>
  <xs:element name="NumberOfWarehouseCreditFacilities" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_NumberOfWarehouseCreditFacilities"/>
  <xs:element name="SignificantStockholderOwnershipPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="vrm_SignificantStockholderOwnershipPercentage"/>
  <xs:element name="RevenueRecognitionDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_RevenueRecognitionDetailsTable"/>
  <xs:element name="RevenueRecognitionDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_RevenueRecognitionDetailsLineItems"/>
  <xs:element name="PercentageOfServicingFeesEarnedOnOutstandingPrincipalBalanceOfFinanceReceivable" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_PercentageOfServicingFeesEarnedOnOutstandingPrincipalBalanceOfFinanceReceivable"/>
  <xs:element name="ReserveForChargebacks" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="vrm_ReserveForChargebacks"/>
  <xs:element name="CumulativeProfitSharingPaymentRecognized" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="vrm_CumulativeProfitSharingPaymentRecognized"/>
  <xs:element name="VariableInterestEntitiesandSecuritizationsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_VariableInterestEntitiesandSecuritizationsDetailsTable"/>
  <xs:element name="VariableInterestEntitiesandSecuritizationsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_VariableInterestEntitiesandSecuritizationsDetailsLineItems"/>
  <xs:element name="AccountsReceivableFromSecuritizationTransactions" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="vrm_AccountsReceivableFromSecuritizationTransactions"/>
  <xs:element name="CollateralizedFinanceReceivables" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="vrm_CollateralizedFinanceReceivables"/>
  <xs:element name="AccountsPayableToSecuritizationTransactions" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="vrm_AccountsPayableToSecuritizationTransactions"/>
  <xs:element name="NumberOfSeniorSecuredWarehouseCreditFacilities" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_NumberOfSeniorSecuredWarehouseCreditFacilities"/>
  <xs:element name="DiscontinuedOperationsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_DiscontinuedOperationsDetailsTable"/>
  <xs:element name="PrepackagedChapter11CaseDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_PrepackagedChapter11CaseDetailsTable"/>
  <xs:element name="PrepackagedChapter11CaseDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_PrepackagedChapter11CaseDetailsLineItems"/>
  <xs:element name="DebtInstrumentAggregatePrincipalAmountExerciseInOverallotmentOptionGrantedToInitialPurchasers" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="vrm_DebtInstrumentAggregatePrincipalAmountExerciseInOverallotmentOptionGrantedToInitialPurchasers"/>
  <xs:element name="LongTermDebtFaceAmountAndInterest" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="vrm_LongTermDebtFaceAmountAndInterest"/>
  <xs:element name="IssuedAdditionalCommonStock" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="vrm_IssuedAdditionalCommonStock"/>
  <xs:element name="PropertyandEquipmentNetDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_PropertyandEquipmentNetDetailsTable"/>
  <xs:element name="PropertyandEquipmentNetDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_PropertyandEquipmentNetDetailsLineItems"/>
  <xs:element name="WarehouseCreditFacilitiesofConsolidatedVIEsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_WarehouseCreditFacilitiesofConsolidatedVIEsDetailsTable"/>
  <xs:element name="WarehouseCreditFacilitiesofConsolidatedVIEsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_WarehouseCreditFacilitiesofConsolidatedVIEsDetailsLineItems"/>
  <xs:element name="LongTermDebtDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_LongTermDebtDetailsTable"/>
  <xs:element name="DebtInstrumentsInitialPrincipalAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="vrm_DebtInstrumentsInitialPrincipalAmount"/>
  <xs:element name="ExpectedBeneficialInterestsInSecuritizationsPledgedAsCollateral" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="vrm_ExpectedBeneficialInterestsInSecuritizationsPledgedAsCollateral"/>
  <xs:element name="ExpectedProceedsFromBeneficialInterestsInSecuritizationsPledgedAsCollateral" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="vrm_ExpectedProceedsFromBeneficialInterestsInSecuritizationsPledgedAsCollateral"/>
  <xs:element name="ExpectedRepurchasesPeriodStart" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_ExpectedRepurchasesPeriodStart"/>
  <xs:element name="ExpectedRepurchasesPeriodEnd" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_ExpectedRepurchasesPeriodEnd"/>
  <xs:element name="PercentageOfTrustIssuerOwnedFinanceSubsidiary" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_PercentageOfTrustIssuerOwnedFinanceSubsidiary"/>
  <xs:element name="LeasesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_LeasesDetailsTable"/>
  <xs:element name="LeasesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_LeasesDetailsLineItems"/>
  <xs:element name="CommitmentsandContingenciesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_CommitmentsandContingenciesDetailsTable"/>
  <xs:element name="CommitmentsandContingenciesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_CommitmentsandContingenciesDetailsLineItems"/>
  <xs:element name="PreferredStockandStockholdersEquityDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_PreferredStockandStockholdersEquityDetailsTable"/>
  <xs:element name="StockbasedCompensationDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_StockbasedCompensationDetailsTable"/>
  <xs:element name="StockbasedCompensationDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_StockbasedCompensationDetailsLineItems"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfSharesOfCommonStockOutstandingAsConvertedBasis" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfSharesOfCommonStockOutstandingAsConvertedBasis"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardAccelerationPeriod" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardAccelerationPeriod"/>
  <xs:element name="FinancialInstrumentsandFairValueMeasurementsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_FinancialInstrumentsandFairValueMeasurementsDetailsTable"/>
  <xs:element name="FinancialInstrumentsandFairValueMeasurementsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_FinancialInstrumentsandFairValueMeasurementsDetailsLineItems"/>
  <xs:element name="IncomeTaxesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_IncomeTaxesDetailsTable"/>
  <xs:element name="IncomeTaxesDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_IncomeTaxesDetailsLineItems"/>
  <xs:element name="DeferredTaxAssetsValuationAllowanceContinuingAndDiscontinuedOperations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="vrm_DeferredTaxAssetsValuationAllowanceContinuingAndDiscontinuedOperations"/>
  <xs:element name="NetOperatingLossCarryforwardsEarliestExpirationYear" type="xbrli:gYearItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_NetOperatingLossCarryforwardsEarliestExpirationYear"/>
  <xs:element name="NetOperatingLossCarryforwardsLatestExpirationYear" type="xbrli:gYearItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_NetOperatingLossCarryforwardsLatestExpirationYear"/>
  <xs:element name="NetOperatingLossCarryforwardsExpiringInIndefinitePeriod" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="vrm_NetOperatingLossCarryforwardsExpiringInIndefinitePeriod"/>
  <xs:element name="RevisedConsolidatedFinancialStatementsInformationDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_RevisedConsolidatedFinancialStatementsInformationDetailsTable"/>
  <xs:element name="RevisedConsolidatedFinancialStatementsInformationDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_RevisedConsolidatedFinancialStatementsInformationDetailsLineItems"/>
  <xs:element name="SubsequentEventDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="vrm_SubsequentEventDetailsTable"/>
  <xs:element name="SubsequentEventDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_SubsequentEventDetailsLineItems"/>
  <xs:element name="PercentageOfVotingSharesOfSuccessorCompany" type="xbrli:pureItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="vrm_PercentageOfVotingSharesOfSuccessorCompany"/>
  <xs:element name="PercentageOfCommonStockReservedForIssuance" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_PercentageOfCommonStockReservedForIssuance"/>
  <xs:element name="AttorneysFeesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_AttorneysFeesMember"/>
  <xs:element name="BeneficialInterestsInSecuritizationsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_BeneficialInterestsInSecuritizationsMember"/>
  <xs:element name="CarStoryMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_CarStoryMember"/>
  <xs:element name="CertificatesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_CertificatesMember"/>
  <xs:element name="CivilPenaltiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_CivilPenaltiesMember"/>
  <xs:element name="ContractAndLeaseTerminationCostsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_ContractAndLeaseTerminationCostsMember"/>
  <xs:element name="ConvertibleSeniorNotesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_ConvertibleSeniorNotesMember"/>
  <xs:element name="CustomerRedressMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_CustomerRedressMember"/>
  <xs:element name="DebtOfSecuritizedVariableInterestEntitiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_DebtOfSecuritizedVariableInterestEntitiesMember"/>
  <xs:element name="DelayedDrawTermLoanFacilityMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_DelayedDrawTermLoanFacilityMember"/>
  <xs:element name="DevelopedAndPurchasedTechnologyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_DevelopedAndPurchasedTechnologyMember"/>
  <xs:element name="EcommerceOperationsAndUsedVehicleDealershipBusinessWindDownMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_EcommerceOperationsAndUsedVehicleDealershipBusinessWindDownMember"/>
  <xs:element name="EcommerceWindDownMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_EcommerceWindDownMember"/>
  <xs:element name="FacilityFourMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_FacilityFourMember"/>
  <xs:element name="FacilityOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_FacilityOneMember"/>
  <xs:element name="FacilityThreeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_FacilityThreeMember"/>
  <xs:element name="FacilityTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_FacilityTwoMember"/>
  <xs:element name="FinanceReceivablesAtFairValueIncludingInterestReceivablesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_FinanceReceivablesAtFairValueIncludingInterestReceivablesMember"/>
  <xs:element name="FinanceReceivablesAtFairValueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_FinanceReceivablesAtFairValueMember"/>
  <xs:element name="FinanceReceivablesOfConsolidatedCollateralizedFinanceEntitiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_FinanceReceivablesOfConsolidatedCollateralizedFinanceEntitiesMember"/>
  <xs:element name="FinancingOfBeneficialInterestInSecurizationsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_FinancingOfBeneficialInterestInSecurizationsMember"/>
  <xs:element name="InducementAwardPlanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_InducementAwardPlanMember"/>
  <xs:element name="MeasurementInputCumulativeNetLossMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_MeasurementInputCumulativeNetLossMember"/>
  <xs:element name="MeasurementInputRecoveriesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_MeasurementInputRecoveriesMember"/>
  <xs:element name="MudrickCapitalManagementLimitedPartnersMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_MudrickCapitalManagementLimitedPartnersMember"/>
  <xs:element name="NonInvestmentGradeSecuritiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_NonInvestmentGradeSecuritiesMember"/>
  <xs:element name="PresentationReclassesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_PresentationReclassesMember"/>
  <xs:element name="RatedNotesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_RatedNotesMember"/>
  <xs:element name="ResidualInterestTwoThousandAndTwentyThreeOneSecuritizationsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_ResidualInterestTwoThousandAndTwentyThreeOneSecuritizationsMember"/>
  <xs:element name="ResidualInterestTwoThousandAndTwentyTwoOneSecuritizationMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_ResidualInterestTwoThousandAndTwentyTwoOneSecuritizationMember"/>
  <xs:element name="ResidualInterestTwoThousandAndTwentyTwoTwoAndTwoThousandAndTwentyThreeOneSecuritizationMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_ResidualInterestTwoThousandAndTwentyTwoTwoAndTwoThousandAndTwentyThreeOneSecuritizationMember"/>
  <xs:element name="ResidualInterestTwoThousandAndTwentyTwoTwoSecuritizationMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_ResidualInterestTwoThousandAndTwentyTwoTwoSecuritizationMember"/>
  <xs:element name="RetailVehicleMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_RetailVehicleMember"/>
  <xs:element name="RevisionOfPriorPeriodDiscontinuedOperationsAdjustmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_RevisionOfPriorPeriodDiscontinuedOperationsAdjustmentMember"/>
  <xs:element name="SecuritizationDebtMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_SecuritizationDebtMember"/>
  <xs:element name="SecuritizationDebtOfConsolidatedCollateralizedFinanceEntitiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_SecuritizationDebtOfConsolidatedCollateralizedFinanceEntitiesMember"/>
  <xs:element name="SecuritizationDebtOfConsolidatedVariableInterestEntitiesAtAmortizedCostMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_SecuritizationDebtOfConsolidatedVariableInterestEntitiesAtAmortizedCostMember"/>
  <xs:element name="SecuritizationDebtOfConsolidatedVariableInterestEntitiesAtFairValueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_SecuritizationDebtOfConsolidatedVariableInterestEntitiesAtFairValueMember"/>
  <xs:element name="SecuritizationDebtOfConsolidatedVariableInterestEntitiesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_SecuritizationDebtOfConsolidatedVariableInterestEntitiesMember"/>
  <xs:element name="SecuritizationVehiclesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_SecuritizationVehiclesMember"/>
  <xs:element name="SeveranceAndOtherPersonnelRelatedCostsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_SeveranceAndOtherPersonnelRelatedCostsMember"/>
  <xs:element name="TaxPeriodExpireFromTwoThousandThirtyFourThroughTwoThousandFortyTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_TaxPeriodExpireFromTwoThousandThirtyFourThroughTwoThousandFortyTwoMember"/>
  <xs:element name="TaxPeriodExpireFromTwoThousandTwentyEightThroughTwoThousandThirtySevenMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_TaxPeriodExpireFromTwoThousandTwentyEightThroughTwoThousandThirtySevenMember"/>
  <xs:element name="TotalRatedNotesAtAmortizedCostMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_TotalRatedNotesAtAmortizedCostMember"/>
  <xs:element name="TotalRatedNotesAtFairValueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_TotalRatedNotesAtFairValueMember"/>
  <xs:element name="TotalRatedNotesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_TotalRatedNotesMember"/>
  <xs:element name="TwoThousandTwentyFourOneSecuritizationTransactionMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_TwoThousandTwentyFourOneSecuritizationTransactionMember"/>
  <xs:element name="TwoThousandTwentyIncentiveAwardPlanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_TwoThousandTwentyIncentiveAwardPlanMember"/>
  <xs:element name="UnitedAutoCreditCorporationMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditCorporationMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyFourOneAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyFourOneAMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyFourOneBMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyFourOneBMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyFourOneCMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyFourOneCMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyFourOneDMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyFourOneDMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyFourOneEMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyFourOneEMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyFourOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyFourOneMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyOneOneDMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyOneOneDMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyOneOneEMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyOneOneEMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyOneOneFMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyOneOneFMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyOneOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyOneOneMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyThreeOneAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyThreeOneAMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyThreeOneBMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyThreeOneBMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyThreeOneCMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyThreeOneCMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyThreeOneDMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyThreeOneDMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyThreeOneEMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyThreeOneEMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyThreeOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyThreeOneMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyTwoTwoBMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyTwoTwoBMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyTwoTwoCMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyTwoTwoCMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyTwoTwoDMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyTwoTwoDMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyTwoTwoEMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyTwoTwoEMember"/>
  <xs:element name="UnitedAutoCreditTwoThousandTwentyTwoTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_UnitedAutoCreditTwoThousandTwentyTwoTwoMember"/>
  <xs:element name="WarehouseCreditFacilityMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_WarehouseCreditFacilityMember"/>
  <xs:element name="WholesaleVehicleMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_WholesaleVehicleMember"/>
  <xs:element name="ZeroPointSevenFivePercentUnsecuredConvertibleSeniorNotesDueTwoThousandTwentySixMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_ZeroPointSevenFivePercentUnsecuredConvertibleSeniorNotesDueTwoThousandTwentySixMember"/>
  <xs:element name="FinancialInstrumentsAndFairValueMeasurementsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_FinancialInstrumentsAndFairValueMeasurementsAbstract"/>
  <xs:element name="PrepackagedChapter11CaseAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_PrepackagedChapter11CaseAbstract"/>
  <xs:element name="VariableInterestEntitiesAndSecuritizationsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_VariableInterestEntitiesAndSecuritizationsAbstract"/>
  <xs:element name="WarehouseCreditFacilitiesOfConsolidatedVIEsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_WarehouseCreditFacilitiesOfConsolidatedVIEsAbstract"/>
  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="vrm_DocumentAndEntityInformationAbstract"/>
</xs:schema>
