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<!-- Creation Date :2023-11-07T13:29:06.1393+00:00 -->
<!-- Copyright (c) 2023 Donnelly Financial Solutions, Inc. All Rights Reserved. -->
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  <xsd:element id="vrm_UnpaidPrincipalBalanceOfReceivablesFairValueDisclosure" name="UnpaidPrincipalBalanceOfReceivablesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_BusinessCombinationMeasurementPeriod" name="BusinessCombinationMeasurementPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_ShippingAndHandlingCostsPolicyTextBlock" name="ShippingAndHandlingCostsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_DebtInstrumentCovenantToMaintainMinimumPercentageOfCreditLineInCashAndCashEquivalents" name="DebtInstrumentCovenantToMaintainMinimumPercentageOfCreditLineInCashAndCashEquivalents" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_PartsAndAccessories" name="PartsAndAccessories" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_NumberOfConsecutiveBusinessDays" name="NumberOfConsecutiveBusinessDays" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_DebtOfSecuritizedVariableInterestEntitiesMember" name="DebtOfSecuritizedVariableInterestEntitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ResidualInterestTwoThousandAndTwentyThreeOneSecuritizationsMember" name="ResidualInterestTwoThousandAndTwentyThreeOneSecuritizationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_PurchasedTechnologyMember" name="PurchasedTechnologyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FinanceReceivablesOfConsolidatedCollateralizedFinanceEntitiesMember" name="FinanceReceivablesOfConsolidatedCollateralizedFinanceEntitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyOneOneDMember" name="UnitedAutoCreditTwoThousandTwentyOneOneDMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_CashDepositsMember" name="CashDepositsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_UnitedAutoCreditCorporationMember" name="UnitedAutoCreditCorporationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_InducementAwardPlanMember" name="InducementAwardPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_UnpaidPrincipalBalanceOfReceivablesWithinFinanceReceivablesReportedAtFairValueOnNonaccrualStatus" name="UnpaidPrincipalBalanceOfReceivablesWithinFinanceReceivablesReportedAtFairValueOnNonaccrualStatus" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_DebtInstrumentInitialPrincipalAmount" name="DebtInstrumentInitialPrincipalAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_CloudComputingArrangementsMember" name="CloudComputingArrangementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_VehiclePayableCurrent" name="VehiclePayableCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_DebtInstrumentAggregatePrincipalAmountExerciseInOverallotmentOptionGrantedToInitialPurchasers" name="DebtInstrumentAggregatePrincipalAmountExerciseInOverallotmentOptionGrantedToInitialPurchasers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_FinanceReceivablesFromConsolidationOfTwoThousandAndTwentyTwoTwoSecuritizationTransaction" name="FinanceReceivablesFromConsolidationOfTwoThousandAndTwentyTwoTwoSecuritizationTransaction" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_VehicleFloorPlanFacilitiesMember" name="VehicleFloorPlanFacilitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ProceedsFromWarehouseCreditFacilitiesOfConsolidatedVariableInterestEntities" name="ProceedsFromWarehouseCreditFacilitiesOfConsolidatedVariableInterestEntities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyOneOneMember" name="UnitedAutoCreditTwoThousandTwentyOneOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_RealignmentPlanMember" name="RealignmentPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedWarehouseCreditFacilities" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedWarehouseCreditFacilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_ScheduleOfFinanceReceivablesPledgedToSecuritizationDebtTableTextBlock" name="ScheduleOfFinanceReceivablesPledgedToSecuritizationDebtTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_IncreaseDecreaseInPrincipalPaymentsReceivedOnFinanceReceivablesHeldForSale" name="IncreaseDecreaseInPrincipalPaymentsReceivedOnFinanceReceivablesHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedRestrictedCash" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedRestrictedCash" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_NumberOfSeniorSecuredWarehouseCreditFacilities" name="NumberOfSeniorSecuredWarehouseCreditFacilities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyOneOneEMember" name="UnitedAutoCreditTwoThousandTwentyOneOneEMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FinanceReceivablesMarkedToFairValueOnNonRecurringBasis" name="FinanceReceivablesMarkedToFairValueOnNonRecurringBasis" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_UnpaidPrincipalBalanceOfDebtRelatedToFairValue" name="UnpaidPrincipalBalanceOfDebtRelatedToFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyThreeOneAMember" name="UnitedAutoCreditTwoThousandTwentyThreeOneAMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ResidualInterestTwoThousandAndTwentyTwoTwoAndTwoThousandAndTwentyThreeOneSecuritizationMember" name="ResidualInterestTwoThousandAndTwentyTwoTwoAndTwoThousandAndTwentyThreeOneSecuritizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FinanceReceivablesAtFairValuePolicyPolicyTextBlock" name="FinanceReceivablesAtFairValuePolicyPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_SecuritizationVehiclesMember" name="SecuritizationVehiclesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ResidualInterestTwoThousandAndTwentyTwoOneSecuritizationMember" name="ResidualInterestTwoThousandAndTwentyTwoOneSecuritizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOther" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_LiquidityPolicyTextBlock" name="LiquidityPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_WholesaleVehicleMember" name="WholesaleVehicleMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_Notesreceivablenetfairvalue" name="Notesreceivablenetfairvalue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_ZeroPointSevenFivePercentUnsecuredConvertibleSeniorNotesDueTwoThousandTwentySixMember" name="ZeroPointSevenFivePercentUnsecuredConvertibleSeniorNotesDueTwoThousandTwentySixMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_DebtInstrumentCovenantToMaintainPrincipalBalanceOutstanding" name="DebtInstrumentCovenantToMaintainPrincipalBalanceOutstanding" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_AccountsReceivableFromSecuritizationTransactions" name="AccountsReceivableFromSecuritizationTransactions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_ImplementationCostsCapitalizedAccumulatedAmortization" name="ImplementationCostsCapitalizedAccumulatedAmortization" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_UnitasHoldingsCorporationMember" name="UnitasHoldingsCorporationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_AggregatePrincipalBalanceOfFinanceReceivablesPledgedAsCollateral" name="AggregatePrincipalBalanceOfFinanceReceivablesPledgedAsCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_ListingPriceOfShare" name="ListingPriceOfShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="vrm_AmortizationOfUnearnedDiscountsOnFinanceReceivablesAtFairValue" name="AmortizationOfUnearnedDiscountsOnFinanceReceivablesAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_InsurancePayableCurrent" name="InsurancePayableCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsFairValuePerShare" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsFairValuePerShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_AmortizationOfCloudComputingAssets" name="AmortizationOfCloudComputingAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_ResidualInterestTwoThousandAndTwentyTwoOneAndTwoThousandAndTwentyTwoTwoSecuritizationMember" name="ResidualInterestTwoThousandAndTwentyTwoOneAndTwoThousandAndTwentyTwoTwoSecuritizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_IncomeTaxesLineItems" name="IncomeTaxesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyThreeOneDMember" name="UnitedAutoCreditTwoThousandTwentyThreeOneDMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_WholesaleMember" name="WholesaleMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_AccountingPolicyLineItems" name="AccountingPolicyLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_RetailFinancingMember" name="RetailFinancingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ReconciliationOfRevenueFromSegmentsToConsolidatedAbstract" name="ReconciliationOfRevenueFromSegmentsToConsolidatedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FinanceReceivablesAtFairValueNoncurrent" name="FinanceReceivablesAtFairValueNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_ImpairmentOfOperatingLeaseRightOfUseAssets" name="ImpairmentOfOperatingLeaseRightOfUseAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetConsolidationOfVariableInterestEntities" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetConsolidationOfVariableInterestEntities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_AccountingPolicyTable" name="AccountingPolicyTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyTwoTwoCMember" name="UnitedAutoCreditTwoThousandTwentyTwoTwoCMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ResidualSecuritizedVariableInterestEntitiesMember" name="ResidualSecuritizedVariableInterestEntitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FinanceReceivablesAtFairValueIncludingInterestReceivablesMember" name="FinanceReceivablesAtFairValueIncludingInterestReceivablesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_CertificatesMember" name="CertificatesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FairValueOfBeneficialInterestsReceivedInSecuritizationTransactions" name="FairValueOfBeneficialInterestsReceivedInSecuritizationTransactions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_ShippingAndHandlingExpenses" name="ShippingAndHandlingExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_WarehouseCreditFacilitiesCurrent" name="WarehouseCreditFacilitiesCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_FinanceMember" name="FinanceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_NumberOfWarehouseCreditFacilities" name="NumberOfWarehouseCreditFacilities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardAccelerationPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardAccelerationPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_PrincipalPaymentsReceivedOnFinanceReceivablesAtFairValue" name="PrincipalPaymentsReceivedOnFinanceReceivablesAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyTwoTwoEMember" name="UnitedAutoCreditTwoThousandTwentyTwoTwoEMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FinancingOfBeneficialInterestInSecurizationsMember" name="FinancingOfBeneficialInterestInSecurizationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FacilityTwoMember" name="FacilityTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_VariableInterestEntityCarryingValue" name="VariableInterestEntityCarryingValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_ExpectedProceedsFromBeneficialInterestsInSecuritizationsPledgedAsCollateral" name="ExpectedProceedsFromBeneficialInterestsInSecuritizationsPledgedAsCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_DevelopedAndPurchasedTechnologyMember" name="DevelopedAndPurchasedTechnologyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FacilityThreeMember" name="FacilityThreeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FacilityFourMember" name="FacilityFourMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ExpectedRepurchasesPeriodStart" name="ExpectedRepurchasesPeriodStart" type="xbrli:gYearMonthItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_DebtInstrumentsInitialPrincipalAmount" name="DebtInstrumentsInitialPrincipalAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_ResidualInterestTwoThousandAndTwentyTwoTwoSecuritizationMember" name="ResidualInterestTwoThousandAndTwentyTwoTwoSecuritizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_PrincipalRepaymentsOfFinancingOfBeneficialInterestsInSecuritizations" name="PrincipalRepaymentsOfFinancingOfBeneficialInterestsInSecuritizations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_ExpectedBeneficialInterestsInSecuritizationsPledgedAsCollateral" name="ExpectedBeneficialInterestsInSecuritizationsPledgedAsCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_OtherRevenueMember" name="OtherRevenueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyThreeOneMember" name="UnitedAutoCreditTwoThousandTwentyThreeOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ProvisionToRecordFinanceReceivablesHeldForSaleAtLowerOfCostOrFairValue" name="ProvisionToRecordFinanceReceivablesHeldForSaleAtLowerOfCostOrFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_ConsolidatedCollateralizedFinancingEntityPolicyTextBlock" name="ConsolidatedCollateralizedFinancingEntityPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_LossOnFinanceReceivablesAndSecuritizationDebtNet" name="LossOnFinanceReceivablesAndSecuritizationDebtNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_EliminationOfBeneficialInterestFromTheConsolidationOfTwoThousandAndTwentyTwoTwoSecuritizationTransaction" name="EliminationOfBeneficialInterestFromTheConsolidationOfTwoThousandAndTwentyTwoTwoSecuritizationTransaction" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyTwoTwoBMember" name="UnitedAutoCreditTwoThousandTwentyTwoTwoBMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ProceedsFromFinancingOfBeneficialInterestsInSecuritizations" name="ProceedsFromFinancingOfBeneficialInterestsInSecuritizations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_TotalRatedNotesMember" name="TotalRatedNotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ExpectedRepurchasesPeriodEnd" name="ExpectedRepurchasesPeriodEnd" type="xbrli:gYearMonthItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_BeneficialInterestsInSecuritizationsMember" name="BeneficialInterestsInSecuritizationsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_SecuritizationDebtOfConsolidatedCollateralizedFinanceEntitiesMember" name="SecuritizationDebtOfConsolidatedCollateralizedFinanceEntitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ImplementationCostsCapitalized" name="ImplementationCostsCapitalized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfSharesOfCommonStockOutstandingAsConvertedBasis" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPercentageOfSharesOfCommonStockOutstandingAsConvertedBasis" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyOneOneCMember" name="UnitedAutoCreditTwoThousandTwentyOneOneCMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_IncomeTaxesTable" name="IncomeTaxesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_NewVehicleFloorPlanFacilityMember" name="NewVehicleFloorPlanFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_NonRecurringTaxAdjustmentBenefit" name="NonRecurringTaxAdjustmentBenefit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_NumberOfConsecutiveTradingDay" name="NumberOfConsecutiveTradingDay" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_TwoThousandTwentyIncentiveAwardPlanMember" name="TwoThousandTwentyIncentiveAwardPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ReclassificationOfFinanceReceivablesHeldForSaleToFinanceReceivablesAtFairValueNet" name="ReclassificationOfFinanceReceivablesHeldForSaleToFinanceReceivablesAtFairValueNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_ConvertibleSeniorNotesMember" name="ConvertibleSeniorNotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_SummaryOfUnconsolidatedVariableInterestEntitiesTableTextBlock" name="SummaryOfUnconsolidatedVariableInterestEntitiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_VariableInterestEntityAmortizedCostAggregatePrincipalBalance" name="VariableInterestEntityAmortizedCostAggregatePrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyTwoTwoMember" name="UnitedAutoCreditTwoThousandTwentyTwoTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyTwoTwoAMember" name="UnitedAutoCreditTwoThousandTwentyTwoTwoAMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyThreeOneBMember" name="UnitedAutoCreditTwoThousandTwentyThreeOneBMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyThreeOneEMember" name="UnitedAutoCreditTwoThousandTwentyThreeOneEMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FinanceReceivablesHeldForSaleFairValue" name="FinanceReceivablesHeldForSaleFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_TwoThousandTwentyTwoVehicleFloorplanFacilityMember" name="TwoThousandTwentyTwoVehicleFloorplanFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FacilityOneMember" name="FacilityOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyTwoTwoDMember" name="UnitedAutoCreditTwoThousandTwentyTwoTwoDMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_OtherCurrent" name="OtherCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_BeneficialInterestsInSecuritizations" name="BeneficialInterestsInSecuritizations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_AllyBankAndAllyFinancialMember" name="AllyBankAndAllyFinancialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_PercentageOfTrustIssuerOwnedFinanceSubsidiary" name="PercentageOfTrustIssuerOwnedFinanceSubsidiary" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_ECommerceMember" name="ECommerceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_CreditBalanceAgreementsMember" name="CreditBalanceAgreementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyOneOneFMember" name="UnitedAutoCreditTwoThousandTwentyOneOneFMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_Vehicles" name="Vehicles" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_WarehouseCreditFacilityMember" name="WarehouseCreditFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_AdditionalAvailableLineOfCreditFacility" name="AdditionalAvailableLineOfCreditFacility" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_CollateralizedFinanceReceivables" name="CollateralizedFinanceReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_CumulativeProfitSharingPaymentRecognized" name="CumulativeProfitSharingPaymentRecognized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_TexasDirectAutoMember" name="TexasDirectAutoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_WarehouseCreditFacilitiesOfConsolidatedVariableInterestEntitiesTextBlock" name="WarehouseCreditFacilitiesOfConsolidatedVariableInterestEntitiesTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_UnitedAutoCreditTwoThousandTwentyThreeOneCMember" name="UnitedAutoCreditTwoThousandTwentyThreeOneCMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ProceedsFromConsolidationOfVariableInterestEntity" name="ProceedsFromConsolidationOfVariableInterestEntity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_PercentageOfServicingFeesEarnedOnOutstandingPrincipalBalanceOfFinanceReceivable" name="PercentageOfServicingFeesEarnedOnOutstandingPrincipalBalanceOfFinanceReceivable" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_PrincipalPaymentsReceivedOnBeneficialInterests" name="PrincipalPaymentsReceivedOnBeneficialInterests" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_RepaymentsOfWarehouseCreditFacilitiesOfConsolidatedVariableInterestEntities" name="RepaymentsOfWarehouseCreditFacilitiesOfConsolidatedVariableInterestEntities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_ScheduleOfReconciliationOfRestructuringLiabilityTableTextBlock" name="ScheduleOfReconciliationOfRestructuringLiabilityTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinanceReceivablesHeldForSale" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinanceReceivablesHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_ConsolidatedCollateralizedFinancingEntityTableTextBlock" name="ConsolidatedCollateralizedFinancingEntityTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="vrm_FiniteLivedIntangibleAssetsAmortizationExpenseRollingAfterYearFour" name="FiniteLivedIntangibleAssetsAmortizationExpenseRollingAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_SegmentAssets" name="SegmentAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_AccruedVehicleRelatedExpensesCurrent" name="AccruedVehicleRelatedExpensesCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="vrm_RetailVehicleMember" name="RetailVehicleMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_FinancingReceivableHeldForSaleValuationAllowances" name="FinancingReceivableHeldForSaleValuationAllowances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="vrm_SecuritizationDebtOfConsolidatedVariableInterestEntitiesMember" name="SecuritizationDebtOfConsolidatedVariableInterestEntitiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="vrm_ReserveForChargebacks" name="ReserveForChargebacks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
</xsd:schema>
