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  <xsd:element id="dave_EffectiveIncomeTaxRateReconciliationWarrantLiabilitiesRate" name="EffectiveIncomeTaxRateReconciliationWarrantLiabilitiesRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_EquityContributed" name="EquityContributed" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_ExciseTaxOnBuybacks" name="ExciseTaxOnBuybacks" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ExerciseOfCallOptionsOnLoansToStockholders" name="ExerciseOfCallOptionsOnLoansToStockholders" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_ExerciseOfDerivativeAssetAndPaydownOfStockholderLoans" name="ExerciseOfDerivativeAssetAndPaydownOfStockholderLoans" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ExerciseOfDerivativeAssetAndPolicyStockholdersLoanShares" name="ExerciseOfDerivativeAssetAndPolicyStockholdersLoanShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ExerciseOfDerivativeAssetAndPolicyStockholdersLoanValue" name="ExerciseOfDerivativeAssetAndPolicyStockholdersLoanValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_ExerciseOfSeriesB1PreferredStockWarrants" name="ExerciseOfSeriesB1PreferredStockWarrants" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ExtraCashProductForAdditionalLiquidityAmount" name="ExtraCashProductForAdditionalLiquidityAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_FairMarketValueOfEachShareOfCommonStockPerShare" name="FairMarketValueOfEachShareOfCommonStockPerShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_FairvaluemeasurementwithunobservableinputsreconciliationrecurringbasisamendmentToLoanToStockholder" name="FairvaluemeasurementwithunobservableinputsreconciliationrecurringbasisamendmentToLoanToStockholder" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAtInitialFairValue" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetAtInitialFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetInitialFairValue" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetInitialFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_FinancingReceivableWeightedAverageMaturity" name="FinancingReceivableWeightedAverageMaturity" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_GainOnChangeInFairValueOfEarnoutShares" name="GainOnChangeInFairValueOfEarnoutShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_InitialFairValueOfLiabiitiesAcquiredDuringTheMergerValue" name="InitialFairValueOfLiabiitiesAcquiredDuringTheMergerValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_IntercompanyPayable" name="IntercompanyPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_IntercompanyReceivable" name="IntercompanyReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_InterestPayableConvertibleDebtCurrent" name="InterestPayableConvertibleDebtCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_InterestPaybaleOnConvertibleNotesNoncurrent" name="InterestPaybaleOnConvertibleNotesNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_IssuanceOfSharesPursuantToTheMergerAgreement" name="IssuanceOfSharesPursuantToTheMergerAgreement" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_IssuanceOfSharesValuePursuantToTheMergerAgreement" name="IssuanceOfSharesValuePursuantToTheMergerAgreement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_LegalSettlementAndLitigationExpenses" name="LegalSettlementAndLitigationExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_LesseeOperatingLeaseExtendedDate" name="LesseeOperatingLeaseExtendedDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_LesseeOperatingLeaseExtensionTerm" name="LesseeOperatingLeaseExtensionTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_LineOfCreditFacilityAdditionalBorrowingCapacity" name="LineOfCreditFacilityAdditionalBorrowingCapacity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_LockInPeriodAfterBusinessCombinationFounderShares" name="LockInPeriodAfterBusinessCombinationFounderShares" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_MarketableSecuritiesAtFairValueDisclosure" name="MarketableSecuritiesAtFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_MemberAdvancesFairValueDisclosure" name="MemberAdvancesFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_MinimumCorporateTax" name="MinimumCorporateTax" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_MisappropriationOfShares" name="MisappropriationOfShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_MonthlySubscriptionCharges" name="MonthlySubscriptionCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_NetDeferredTaxAssetsBeforeValuationAllowance" name="NetDeferredTaxAssetsBeforeValuationAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_NetDisbursementsAndCollectionsOfMemberAdvances" name="NetDisbursementsAndCollectionsOfMemberAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_NonCashInterestExpenses" name="NonCashInterestExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_NonCashLeaseExpense" name="NonCashLeaseExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_NumberOfCalendarDaysToRegainComplianceWithTheMinimumBidPriceRequirement." name="NumberOfCalendarDaysToRegainComplianceWithTheMinimumBidPriceRequirement." type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_NumberOfConsecutiveTradingDaysForClosingBidPrice" name="NumberOfConsecutiveTradingDaysForClosingBidPrice" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_NumberOfConsecutiveTradingDaysForDeterminingSharePrice" name="NumberOfConsecutiveTradingDaysForDeterminingSharePrice" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_NumberOfConsecutiveTradingDaysForPrecedingTheDelivery" name="NumberOfConsecutiveTradingDaysForPrecedingTheDelivery" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_NumberOfDaysOfNoticeToBeGivenForRedemptionOfWarrants" name="NumberOfDaysOfNoticeToBeGivenForRedemptionOfWarrants" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_NumberOfDaysPriorToTheDateOfNotifyingTheWarrantHoldersForDeterminingTheTotalTradingPeriod" name="NumberOfDaysPriorToTheDateOfNotifyingTheWarrantHoldersForDeterminingTheTotalTradingPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_NumberOfSharesConvertedAsAResultOfEachShareOfNonRedeemedCommonStock" name="NumberOfSharesConvertedAsAResultOfEachShareOfNonRedeemedCommonStock" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_NumberOfSharesImmediatelyBecomeVestedAndNoLongerSubjectToForfeitureUponOccurrenceOfEvent" name="NumberOfSharesImmediatelyBecomeVestedAndNoLongerSubjectToForfeitureUponOccurrenceOfEvent" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_NumberOfSharesOfCommonStockAttributableToAcquiredEntity" name="NumberOfSharesOfCommonStockAttributableToAcquiredEntity" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_NumberOfSharesPledged" name="NumberOfSharesPledged" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_NumberOfTradingDaysForDeterminingTheSharePrice" name="NumberOfTradingDaysForDeterminingTheSharePrice" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_OperatingExpense" name="OperatingExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_OperatingLeaseLiabilitiesRecognized" name="OperatingLeaseLiabilitiesRecognized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_OperatingLeaseRightOfUseAssetsRecognized" name="OperatingLeaseRightOfUseAssetsRecognized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_OperatingLeasesFutureMinimumPaymentsDueAfterYearFour" name="OperatingLeasesFutureMinimumPaymentsDueAfterYearFour" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_OperatingLossCarryforwardsExpirationYear" name="OperatingLossCarryforwardsExpirationYear" type="xbrli:gYearItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_OperatingLossCarryforwardsSubjectToUtilizationLimitTaxableIncomePercentage" name="OperatingLossCarryforwardsSubjectToUtilizationLimitTaxableIncomePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_OtherStrategicFinancingAndTransactionalExpenses" name="OtherStrategicFinancingAndTransactionalExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_Paymenttoacquiremarketablesecurities" name="Paymenttoacquiremarketablesecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_PercentageOfCommonStockSharesOutstanding" name="PercentageOfCommonStockSharesOutstanding" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_PercentageOfFairMarketValueOfEachShareOfCommonStock" name="PercentageOfFairMarketValueOfEachShareOfCommonStock" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_PercentageOfPrepaymentOfLoansFromProceeds" name="PercentageOfPrepaymentOfLoansFromProceeds" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_PercentageOfSharesImmediatelyBecomeVestedAndNoLongerSubjectToForfeitureUponOccurrenceOfEvent" name="PercentageOfSharesImmediatelyBecomeVestedAndNoLongerSubjectToForfeitureUponOccurrenceOfEvent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_PercentageRightToAcquireANumberOfCommonSharesOnFullyDilutedEquity" name="PercentageRightToAcquireANumberOfCommonSharesOnFullyDilutedEquity" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_PeriodOverWhichVestingConditionsShallBeMet" name="PeriodOverWhichVestingConditionsShallBeMet" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ProceedsFromBorrowingsOnDebtAndCreditFacilities" name="ProceedsFromBorrowingsOnDebtAndCreditFacilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_ProceedsFromEscrowAccount" name="ProceedsFromEscrowAccount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_ProceedsFromPrivateInvestmentInPublicEquityOffering" name="ProceedsFromPrivateInvestmentInPublicEquityOffering" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_Proceedsfromsaleofmarketablesecurities" name="Proceedsfromsaleofmarketablesecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_ProcessingAndServicingCosts" name="ProcessingAndServicingCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_PropertyAndEquipmentPurchasesInAccountsPayable" name="PropertyAndEquipmentPurchasesInAccountsPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_RecapitalizationTransactionCostsLiabilityIncurred" name="RecapitalizationTransactionCostsLiabilityIncurred" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_RedemptionPriceOfWarrantsPercentage" name="RedemptionPriceOfWarrantsPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_RelatedPartyLeaseRightOfUseAssetsNoncurrent" name="RelatedPartyLeaseRightOfUseAssetsNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_RelatedPartyLongTermLeaseLibailitiesNoncurrent" name="RelatedPartyLongTermLeaseLibailitiesNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_RelatedPartyShortTermLeaseLibailitiesCurrent" name="RelatedPartyShortTermLeaseLibailitiesCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_RepaymentOfBorrowingsOnCreditFacility" name="RepaymentOfBorrowingsOnCreditFacility" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_RestrictedCashFairValueDisclosure" name="RestrictedCashFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsNonvestedAggregateIntrinsicValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsNonvestedAggregateIntrinsicValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsNonvestedWeightedAverageRemainingContractualTerm" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsNonvestedWeightedAverageRemainingContractualTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ShareBasedCompensationByShareBasedAwardNonVestedOptionsSubjectToForfeiture" name="ShareBasedCompensationByShareBasedAwardNonVestedOptionsSubjectToForfeiture" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_ShareBasedCompensationByShareBasedAwardNonVestedOptionsSubjectToForfeitureWeightedAverageExercisePrice" name="ShareBasedCompensationByShareBasedAwardNonVestedOptionsSubjectToForfeitureWeightedAverageExercisePrice" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_ShareBasedPaymentArrangementNumberOfTranches" name="ShareBasedPaymentArrangementNumberOfTranches" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_SharesOutstandingAndBeingExcercisedByTheHoldersForRedemptionValue" name="SharesOutstandingAndBeingExcercisedByTheHoldersForRedemptionValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_SharesSubjectToForfeiture" name="SharesSubjectToForfeiture" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_SharesTransferredToRelatedParty" name="SharesTransferredToRelatedParty" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_Stockholdersequitynotestocksplitexchangeratio" name="Stockholdersequitynotestocksplitexchangeratio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_StockIssuedDuringPeriodExerciseOfWarrantsShares" name="StockIssuedDuringPeriodExerciseOfWarrantsShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_StockIssuedDuringPeriodSharesExerciseOfRedeemableConvertiblePreferredStockWarrants" name="StockIssuedDuringPeriodSharesExerciseOfRedeemableConvertiblePreferredStockWarrants" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_StockIssuedDuringPeriodSharesForExtinguishmentOfLiability" name="StockIssuedDuringPeriodSharesForExtinguishmentOfLiability" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_StockIssuedDuringPeriodSharesStockholdersLoanInterestAndAmendment" name="StockIssuedDuringPeriodSharesStockholdersLoanInterestAndAmendment" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_StockIssuedDuringPeriodValueExerciseOfRedeemableConvertiblePreferredStockWarrants" name="StockIssuedDuringPeriodValueExerciseOfRedeemableConvertiblePreferredStockWarrants" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_StockIssuedDuringPeriodValueForExtinguishmentOfLiability" name="StockIssuedDuringPeriodValueForExtinguishmentOfLiability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_StockIssuedDuringPeriodValueStockholdersLoanInterestAndAmendment" name="StockIssuedDuringPeriodValueStockholdersLoanInterestAndAmendment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_StockIssuedDuringPeriodValueStockholdersLoansInterest" name="StockIssuedDuringPeriodValueStockholdersLoansInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_StockIssuedDuringThePeriodExerciseOfWarrants" name="StockIssuedDuringThePeriodExerciseOfWarrants" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_StockIssuedDuringThePeriodReverseRecapitalizationValue" name="StockIssuedDuringThePeriodReverseRecapitalizationValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_StockSharesIssuedDuringThePeriodDischargeOfPromissoryNoteShares" name="StockSharesIssuedDuringThePeriodDischargeOfPromissoryNoteShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_SubscriptionFees" name="SubscriptionFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_SupplementalDisclosureOfCashPaidAndReceivedForIncomeTaxes" name="SupplementalDisclosureOfCashPaidAndReceivedForIncomeTaxes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_ThresholdApplicableCommonSharePrice" name="ThresholdApplicableCommonSharePrice" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_TransactionsCosts" name="TransactionsCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_UndistributedEarningsLossReallocatedAvailableToCommonShareholdersBasic" name="UndistributedEarningsLossReallocatedAvailableToCommonShareholdersBasic" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_VestingOfCommonStockExercisedEarly" name="VestingOfCommonStockExercisedEarly" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_VestingOfStockOptionEarlyExercises" name="VestingOfStockOptionEarlyExercises" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_WarrantLiabilities" name="WarrantLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_AgreementDomain" name="AgreementDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_AllocationOfFutureAmortizationExpensesDomain" name="AllocationOfFutureAmortizationExpensesDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_AmendedAndRestatedDomain" name="AmendedAndRestatedDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ClassOfStockSubCategoryDomain" name="ClassOfStockSubCategoryDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_CommonStockPriceBasisDomain" name="CommonStockPriceBasisDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_EventDomain" name="EventDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_EventOfRecapitalizationDomain" name="EventOfRecapitalizationDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_FairValueDomain" name="FairValueDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_InvestorsDomain" name="InvestorsDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_LockInPeriodDomain" name="LockInPeriodDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_RecapitalizationDomain" name="RecapitalizationDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ReverseRecapitalizationDomain" name="ReverseRecapitalizationDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_SharesIssuedEventDomain" name="SharesIssuedEventDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_StatementsClassOfStockDomain" name="StatementsClassOfStockDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_TrigerringSharePriceForWarrantRedemptionDomain" name="TrigerringSharePriceForWarrantRedemptionDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_TriggeringEventDomain" name="TriggeringEventDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_WarrantRedemptionPriceBasisDomain" name="WarrantRedemptionPriceBasisDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_WarrantRedemptionPriceDomain" name="WarrantRedemptionPriceDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_WarrantsExcercisePeriodDomain" name="WarrantsExcercisePeriodDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_CommitmentsAndContingenciesLineItems" name="CommitmentsAndContingenciesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ConvertiblePreferredStockAndStockholdersDeficitlineItemLineItems" name="ConvertiblePreferredStockAndStockholdersDeficitlineItemLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_NumberOfSharesOfCommonStockIssuedImmediatelyFollowingTheConsummationOfTheBusinessCombinationLineItems" name="NumberOfSharesOfCommonStockIssuedImmediatelyFollowingTheConsummationOfTheBusinessCombinationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_RelatedPartyLesseeOperatingLeaseLiabilityMaturityLineItems" name="RelatedPartyLesseeOperatingLeaseLiabilityMaturityLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_RestatementLineItems" name="RestatementLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_RevenueRecognitionLineItems" name="RevenueRecognitionLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesLineItems" name="ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_AdjustmentRelatedToReverseRecapitalizationMember" name="AdjustmentRelatedToReverseRecapitalizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_AdjustmentToApicRelatedToTheReverseRecapitalizationMember" name="AdjustmentToApicRelatedToTheReverseRecapitalizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_AfterTheCompletionOfABusinessCombinationOrEarlierUponRedemptionOrLiquidationMember" name="AfterTheCompletionOfABusinessCombinationOrEarlierUponRedemptionOrLiquidationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_AlamedaResearchMember" name="AlamedaResearchMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_AmendedSeniorSecuredLoanFacilityMember" name="AmendedSeniorSecuredLoanFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_AmendmentToPrivateInvestmentInPublicEquitySubscriptionAgreementMember" name="AmendmentToPrivateInvestmentInPublicEquitySubscriptionAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_AmendmentToTheSubscriptionAgreementMember" name="AmendmentToTheSubscriptionAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_BlackScholesOptionPricingModelMember" name="BlackScholesOptionPricingModelMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_BoardOfDirectorsMember" name="BoardOfDirectorsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_BusinessCombinationAgreementMember" name="BusinessCombinationAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ClassAAndClassVCommonStockMember" name="ClassAAndClassVCommonStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ClassVCommonStockMember" name="ClassVCommonStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_CommonClassVMember" name="CommonClassVMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ConversionOfSharesOfLegacyDaveMember" name="ConversionOfSharesOfLegacyDaveMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ConversionOfSharesOfVpccMember" name="ConversionOfSharesOfVpccMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_CurrentlyStatedMember" name="CurrentlyStatedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_DaveClassACommonStockMember" name="DaveClassACommonStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_DaveIncMember" name="DaveIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_DavesAdvanceServiceMember" name="DavesAdvanceServiceMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_DaveTwoThousandAndSeventeenPlanMember" name="DaveTwoThousandAndSeventeenPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_DerivativeAssetMember" name="DerivativeAssetMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_DerivativeLiabilityMember" name="DerivativeLiabilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_EarnoutSharesLiabilityMember" name="EarnoutSharesLiabilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_EstimationOfValuationMember" name="EstimationOfValuationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_FinancingReceivablesTenthJanuaryPastDueMember" name="FinancingReceivablesTenthJanuaryPastDueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_FinancingReceivablesThirtyNovemberPastDueMember" name="FinancingReceivablesThirtyNovemberPastDueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_FounderHolderEarnoutSharesLiabilityMember" name="FounderHolderEarnoutSharesLiabilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_FounderHolderEarnoutSharesMember" name="FounderHolderEarnoutSharesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_FounderSharesMember" name="FounderSharesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_FourZeroOneKSavingsPlanMember" name="FourZeroOneKSavingsPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_FtxVenturesLtdMember" name="FtxVenturesLtdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_GovernmentSecuritiesMember" name="GovernmentSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_LeasingArrangementsMember" name="LeasingArrangementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_LegacyDaveMember" name="LegacyDaveMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_LegalSettlementExpenseMember" name="LegalSettlementExpenseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_LoansToStockholdersMember" name="LoansToStockholdersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_LockInPeriodOneMember" name="LockInPeriodOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_LopezVsDaveIncMember" name="LopezVsDaveIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_LossContingencyAccrualCarryingValueCurrentMember" name="LossContingencyAccrualCarryingValueCurrentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_MartinsekVsDaveIncMember" name="MartinsekVsDaveIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_MeasurementInputDividendYieldMember" name="MeasurementInputDividendYieldMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_MeasurementInputRemainingTermMember" name="MeasurementInputRemainingTermMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_MeasurmentInputRemainingTermmemberMember" name="MeasurmentInputRemainingTermmemberMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_NewDaveOptionsMember" name="NewDaveOptionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_OriginalSubscriptionAgreementMember" name="OriginalSubscriptionAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_OtherMember" name="OtherMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_PcjwPropertiesLlcMember" name="PcjwPropertiesLlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_PcjwPropertiesMember" name="PcjwPropertiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_PriorToBusinessCombinationMember" name="PriorToBusinessCombinationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_PrivateInvestmentInPublicEquityInvestorsMember" name="PrivateInvestmentInPublicEquityInvestorsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_PrivatePlacementWarrantsMember" name="PrivatePlacementWarrantsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_PrivateWarrantMember" name="PrivateWarrantMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ProcessingFeesMember" name="ProcessingFeesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_PromissoryNoteMember" name="PromissoryNoteMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_PublicWarrantMember" name="PublicWarrantMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_PublicWarrantsMember" name="PublicWarrantsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_PurchaseAgreementMember" name="PurchaseAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_RelatedPartyExerciseReceivablePromissoryNotesMember" name="RelatedPartyExerciseReceivablePromissoryNotesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_RelatedPartyLessorMember" name="RelatedPartyLessorMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_SeniorSecuredLoanFacilityMember" name="SeniorSecuredLoanFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_SeriesAConvertiblePreferredStockMember" name="SeriesAConvertiblePreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_SeriesASeriesB1andSeriesB2AndSeriesARedeemableConvertiblePreferredStockMember" name="SeriesASeriesB1andSeriesB2AndSeriesARedeemableConvertiblePreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_SeriesB1WarrantsMember" name="SeriesB1WarrantsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_SeriesBOneAndBTwoRedeemableConvertiblePreferredStockMember" name="SeriesBOneAndBTwoRedeemableConvertiblePreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_SeriesBOneConvertiblePreferredStockMember" name="SeriesBOneConvertiblePreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_SeriesBTwoConvertiblePreferredStockMember" name="SeriesBTwoConvertiblePreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ServiceBasedRevenueMember" name="ServiceBasedRevenueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_SharesAsOfClosingOfBusinessCombinationAndRelatedTransactionsMember" name="SharesAsOfClosingOfBusinessCombinationAndRelatedTransactionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_SharesIssuedImmediatelyFollowingTheConsummationOfTheBusinessCombinationMember" name="SharesIssuedImmediatelyFollowingTheConsummationOfTheBusinessCombinationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_StateIncomeTaxesAndFederalAndStateResearchAndDevelopmentTaxCreditsMember" name="StateIncomeTaxesAndFederalAndStateResearchAndDevelopmentTaxCreditsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_StateIncomeTaxesAndResearchTaxCreditsMember" name="StateIncomeTaxesAndResearchTaxCreditsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_StockOptionsAndRsuAwardsMember" name="StockOptionsAndRsuAwardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_StoffersVsDaveIncMember" name="StoffersVsDaveIncMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_SubscriptionAgreementMember" name="SubscriptionAgreementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_SubscriptionsMember" name="SubscriptionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ThirdPartyLessorMember" name="ThirdPartyLessorMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_TipsMember" name="TipsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_TransactionBasedRevenueMember" name="TransactionBasedRevenueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_TriggeringEventOneMember" name="TriggeringEventOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_TriggeringEventTwoMember" name="TriggeringEventTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_TriggeringSharePriceOneMember" name="TriggeringSharePriceOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_TriggeringSharePriceTwoMember" name="TriggeringSharePriceTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_UbsMember" name="UbsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_UnsecuredPromissoryNoteMember" name="UnsecuredPromissoryNoteMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_VictoryParkManagementLlcMember" name="VictoryParkManagementLlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_VpccAcquisitonMember" name="VpccAcquisitonMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_VpccMember" name="VpccMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_WarrantExcercisePeriodOneMember" name="WarrantExcercisePeriodOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_WarrantLiabilityRelatedToDebtFacilityMember" name="WarrantLiabilityRelatedToDebtFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_WarrantRedemptionPriceOneMember" name="WarrantRedemptionPriceOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_WarrantRedemptionPriceTwoMember" name="WarrantRedemptionPriceTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_WarrantsToPurchaseClassACommonStockMember" name="WarrantsToPurchaseClassACommonStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_WhalerockIndustriesHoldingCompanyLlcMember" name="WhalerockIndustriesHoldingCompanyLlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_CommitmentsAndContingenciesTable" name="CommitmentsAndContingenciesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ConvertiblePreferredStockAndStockholdersDeficitTable" name="ConvertiblePreferredStockAndStockholdersDeficitTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_NumberOfSharesOfCommonStockIssuedImmediatelyFollowingTheConsummationOfTheBusinessCombinationTable" name="NumberOfSharesOfCommonStockIssuedImmediatelyFollowingTheConsummationOfTheBusinessCombinationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_RelatedPartyLesseeOperatingLeaseLiabilityMaturityTable" name="RelatedPartyLesseeOperatingLeaseLiabilityMaturityTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_RestatementTable" name="RestatementTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_RevenueRecognitionTable" name="RevenueRecognitionTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTable" name="ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_AllowanceForUnrecoverableAdvancesPolicyTextBlock" name="AllowanceForUnrecoverableAdvancesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ConvertibleDebtDisclosureTextBlock" name="ConvertibleDebtDisclosureTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ConvertiblePreferredStockAndStockholdersDeficitTextBlock" name="ConvertiblePreferredStockAndStockholdersDeficitTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_DisclosureInTabularFormOfSignificantUnoservableInputsInMeasurementOfPrivateWarrantsTableTextBlock" name="DisclosureInTabularFormOfSignificantUnoservableInputsInMeasurementOfPrivateWarrantsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_FairValueOfCommonStockPolicyTextBlock" name="FairValueOfCommonStockPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_LineOfCreditTextBlock" name="LineOfCreditTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_LoansToStockholdersPolicyTextBlock" name="LoansToStockholdersPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_NotePayableDisclosureTextBlock" name="NotePayableDisclosureTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ProcessingAndServicingFeesPolicyTextBlock" name="ProcessingAndServicingFeesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ProcessingFeesNetPolicyTextBlock" name="ProcessingFeesNetPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_RelatedPartyLesseeOperatingLeaseLiabilityMaturityTableTextBlock" name="RelatedPartyLesseeOperatingLeaseLiabilityMaturityTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_RestatementOfPreviouslyIssuedFinancialStatementsTextBlock" name="RestatementOfPreviouslyIssuedFinancialStatementsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_RetroactiveApplicationOfReverseRecapitalizationPolicyTextBlock" name="RetroactiveApplicationOfReverseRecapitalizationPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_RevenueRecognitionTableTextBlock" name="RevenueRecognitionTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ReverseRecapitalizationAndRelatedTransactionsTextBlock" name="ReverseRecapitalizationAndRelatedTransactionsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ScheduleOfNumberOfSharesOfCommonStockIssuedImmediatelyFollowingTheConsummationOfTheBusinessCombinationTableTextBlock" name="ScheduleOfNumberOfSharesOfCommonStockIssuedImmediatelyFollowingTheConsummationOfTheBusinessCombinationTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_SubscriptionsPolicyTextBlock" name="SubscriptionsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_TipsPolicyTextBlock" name="TipsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_WarrantLiability" name="WarrantLiability" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_WarrantLiabilityPolicyTextBlock" name="WarrantLiabilityPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
</xsd:schema>
