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  <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_RecapitalizationTransactionCostsLiabilityIncurred" name="RecapitalizationTransactionCostsLiabilityIncurred" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_TrigerringSharePriceForWarrantRedemptionAxis" name="TrigerringSharePriceForWarrantRedemptionAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" 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_Stockholdersequitynotestocksplitexchangeratio" name="Stockholdersequitynotestocksplitexchangeratio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ChangesInFairValueOfMarketableSecurities" name="ChangesInFairValueOfMarketableSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" 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_RelatedPartyLesseeOperatingLeaseLiabilityMaturityTable" name="RelatedPartyLesseeOperatingLeaseLiabilityMaturityTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_DebtFacilityCommitmentFeeCurrent" name="DebtFacilityCommitmentFeeCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_ConversionOfRedeemableConvertiblePreferredWarrantsIntoCommonStockValue" name="ConversionOfRedeemableConvertiblePreferredWarrantsIntoCommonStockValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_ClassOfStockSubCategoryAxis" name="ClassOfStockSubCategoryAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" 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_AllocationOfFutureAmortizationExpensesAxis" name="AllocationOfFutureAmortizationExpensesAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_StockOptionRepricingMember" name="StockOptionRepricingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_PeriodOverWhichVestingConditionsShallBeMet" name="PeriodOverWhichVestingConditionsShallBeMet" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_OperatingLeasesFutureMinimumPaymentsDueAfterYearThree" name="OperatingLeasesFutureMinimumPaymentsDueAfterYearThree" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_ShareBasedPaymentArrangementNumberOfTranches" name="ShareBasedPaymentArrangementNumberOfTranches" type="xbrli:integerItemType" 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_PublicWarrantsMember" name="PublicWarrantsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_July2020DataBreachMember" name="July2020DataBreachMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <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_ChangesInFairValueOfDerivativeAssetsAndLiabilities" name="ChangesInFairValueOfDerivativeAssetsAndLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <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_DavesAdvanceServiceMember" name="DavesAdvanceServiceMember" 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_GainOnChangeInFairValueOfEarnoutShares" name="GainOnChangeInFairValueOfEarnoutShares" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <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_LegalSettlementExpenseMember" name="LegalSettlementExpenseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <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_WarrantsExcercisePeriodAxis" name="WarrantsExcercisePeriodAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <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_EffectiveIncomeTaxRate" name="EffectiveIncomeTaxRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ConversionOfRedeemableConvertiblePreferredStockIntoCommonStockShares" name="ConversionOfRedeemableConvertiblePreferredStockIntoCommonStockShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <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_RedemptionPriceOfWarrantsPercentage" name="RedemptionPriceOfWarrantsPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <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_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExcercisePriceForRepricedOptions" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExcercisePriceForRepricedOptions" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <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_ChangesInFairValueOfEarnoutLiabilities" name="ChangesInFairValueOfEarnoutLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_DeferredTransactionCosts" name="DeferredTransactionCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_PublicPlacementWarrantsMember" name="PublicPlacementWarrantsMember" 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_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansMaximumExercisePriceForRepricedOptions" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansMaximumExercisePriceForRepricedOptions" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <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_SubscriptionsPolicyTextBlock" name="SubscriptionsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <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_AnnualLeaseEscalationPercentage" name="AnnualLeaseEscalationPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <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_WarrantRedemptionPriceBasisAxis" name="WarrantRedemptionPriceBasisAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansMinimumExercisePriceForRepricedOptions" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansMinimumExercisePriceForRepricedOptions" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_EventAxis" name="EventAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" 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_ClassOfWarrantsOrRightsExcercisedDuringThePeriodUnits" name="ClassOfWarrantsOrRightsExcercisedDuringThePeriodUnits" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_FinancingReceivableWeightedAverageMaturity" name="FinancingReceivableWeightedAverageMaturity" type="xbrli:durationItemType" 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_FinanceReceivableCreditLossesOfAverageTerm" name="FinanceReceivableCreditLossesOfAverageTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <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_OtherStrategicFinancingAndTransactionalExpenses" name="OtherStrategicFinancingAndTransactionalExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_CommonStockPriceBasisAxis" name="CommonStockPriceBasisAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_DebtInstrumentMaturityMonthAndYear" name="DebtInstrumentMaturityMonthAndYear" type="xbrli:gYearMonthItemType" 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_TipsMember" name="TipsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <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_PropertyAndEquipmentPurchasesInAccountsPayableAndAccruedLiabilities" name="PropertyAndEquipmentPurchasesInAccountsPayableAndAccruedLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" 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_WarrantsExcercisePeriodDomain" name="WarrantsExcercisePeriodDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <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_LoansToStockholdersMember" name="LoansToStockholdersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <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_ExerciseOfDerivativeAssetAndPolicyStockholdersLoanValue" name="ExerciseOfDerivativeAssetAndPolicyStockholdersLoanValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_LesseeOperatingLeaseLiabilityToBePaidAfterYearTwo" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearTwo" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" 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_ShareBasedCompensationArrangementByShareBasedPaymentAwardStockOptionRepricingVestedAndUnvestedStockOptionsOutstanding" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardStockOptionRepricingVestedAndUnvestedStockOptionsOutstanding" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_PaymentForFractionalSharesOnReverseStockSplit" name="PaymentForFractionalSharesOnReverseStockSplit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <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_StockIssuedDuringPeriodValueStockholdersLoanInterestAndAmendment" name="StockIssuedDuringPeriodValueStockholdersLoanInterestAndAmendment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <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_EquityIncentiveAwardsMember" name="EquityIncentiveAwardsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <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_RelatedPartyLessorMember" name="RelatedPartyLessorMember" 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_PercentageRightToAcquireANumberOfCommonSharesOnFullyDilutedEquity" name="PercentageRightToAcquireANumberOfCommonSharesOnFullyDilutedEquity" type="dtr-types:percentItemType" 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_DischargeOfPromissoryNoteInConnectionWithReverseRecapitalizationValue" name="DischargeOfPromissoryNoteInConnectionWithReverseRecapitalizationValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <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_ProceedsFromPrivateInvestmentInPublicEquityOffering" name="ProceedsFromPrivateInvestmentInPublicEquityOffering" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <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_FtxVenturesLtdMember" name="FtxVenturesLtdMember" 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_DebtInstrumentBasisSpreadOnVariableRate1Description" name="DebtInstrumentBasisSpreadOnVariableRate1Description" type="xbrli:stringItemType" 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_ConversionOfRedeemableConvertiblePreferredStockIntoCommonStockInConnectionWithReverseRecapitalization" name="ConversionOfRedeemableConvertiblePreferredStockIntoCommonStockInConnectionWithReverseRecapitalization" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_AmendmentToLoanToStockholder" name="AmendmentToLoanToStockholder" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <xsd:element id="dave_ClassOfWarrantsOrRightsRedemptionPrice" name="ClassOfWarrantsOrRightsRedemptionPrice" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <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_RelatedPartyLesseeOperatingLeaseLiabilityMaturityLineItems" name="RelatedPartyLesseeOperatingLeaseLiabilityMaturityLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_AtmRelatedFees" name="AtmRelatedFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <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_StockIssuedDuringPeriodSharesForExtinguishmentOfLiability" name="StockIssuedDuringPeriodSharesForExtinguishmentOfLiability" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <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_Proceedsfromsaleofmarketablesecurities" name="Proceedsfromsaleofmarketablesecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_ConvertibleDebtLongTermNoncurrent" name="ConvertibleDebtLongTermNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <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_ShareBasedCompensationArrangementByShareBasedPaymentAwardIncrementalStockCompensationExpenseForOptionRepricingForVestedStockOptions" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardIncrementalStockCompensationExpenseForOptionRepricingForVestedStockOptions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <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_AllocationOfFutureAmortizationExpensesDomain" name="AllocationOfFutureAmortizationExpensesDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <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_BlackScholesOptionPricingModelMember" name="BlackScholesOptionPricingModelMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_NumberOfDaysPriorToTheDateOfNotifyingTheWarrantHoldersForDeterminingTheTotalTradingPeriod" name="NumberOfDaysPriorToTheDateOfNotifyingTheWarrantHoldersForDeterminingTheTotalTradingPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_DebtInstrumentCovenantAmount" name="DebtInstrumentCovenantAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit"/>
  <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_ShareBasedCompensationByShareBasedAwardNonVestedOptionsSubjectToForfeiture" name="ShareBasedCompensationByShareBasedAwardNonVestedOptionsSubjectToForfeiture" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_AgreementAxis" name="AgreementAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <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_AmendedSeniorSecuredLoanFacilityMember" name="AmendedSeniorSecuredLoanFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <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_FinancingReceivablesThirtyNovemberPastDueMember" name="FinancingReceivablesThirtyNovemberPastDueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_ConversionFromPermanentEquityToTemporaryEquityRetroactiveRecapitalization" name="ConversionFromPermanentEquityToTemporaryEquityRetroactiveRecapitalization" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <xsd:element id="dave_ConversionOfRedeemableConvertiblePreferredStockIntoCommonStockConversionRatio" name="ConversionOfRedeemableConvertiblePreferredStockIntoCommonStockConversionRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_IssuanceOfSharesPursuantToTheMergerAgreement" name="IssuanceOfSharesPursuantToTheMergerAgreement" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <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_PercentageOfFairMarketValueOfEachShareOfCommonStock" name="PercentageOfFairMarketValueOfEachShareOfCommonStock" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_StockOptionsRsuAwardsAndPsuAwardsMember" name="StockOptionsRsuAwardsAndPsuAwardsMember" 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_PercentageOfPrepaymentOfLoansFromProceeds" name="PercentageOfPrepaymentOfLoansFromProceeds" type="xbrli:pureItemType" 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_StockIssuedDuringPeriodValueStockholdersLoansInterest" name="StockIssuedDuringPeriodValueStockholdersLoansInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" 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_FourZeroOneKSavingsPlanMember" name="FourZeroOneKSavingsPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <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_WarrantRedemptionPriceBasisDomain" name="WarrantRedemptionPriceBasisDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <xsd:element id="dave_SharesSubjectToForfeiture" name="SharesSubjectToForfeiture" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <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_AmortizationDefiniteLivedIntangibleAssets" name="AmortizationDefiniteLivedIntangibleAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
  <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_WarrantRedemptionPriceDomain" name="WarrantRedemptionPriceDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <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_ClassVCommonStockMember" name="ClassVCommonStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/>
  <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_StockIssuedDuringPeriodSharesExerciseOfRedeemableConvertiblePreferredStockWarrants" name="StockIssuedDuringPeriodSharesExerciseOfRedeemableConvertiblePreferredStockWarrants" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_WarrantRedemptionPriceAxis" name="WarrantRedemptionPriceAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" 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_ConversionOfConvertibleNotesAndAccruedInterestIntoCommonStockValue" name="ConversionOfConvertibleNotesAndAccruedInterestIntoCommonStockValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <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_ShareBasedCompensationByShareBasedAwardNonVestedOptionsSubjectToForfeitureWeightedAverageExercisePrice" name="ShareBasedCompensationByShareBasedAwardNonVestedOptionsSubjectToForfeitureWeightedAverageExercisePrice" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_CommonStockPreviouslyOutstandingConveredIntoNewCommonStockExchangeRatio" name="CommonStockPreviouslyOutstandingConveredIntoNewCommonStockExchangeRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false"/>
  <xsd:element id="dave_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTable" name="ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" 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_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_DisclosureInTabularFormOfSignificantUnoservableInputsInMeasurementOfPublicWarrantsTabletextBlock" name="DisclosureInTabularFormOfSignificantUnoservableInputsInMeasurementOfPublicWarrantsTabletextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ShareBasedCompensationArrangementByShareBasedPaymentAwardIncrementalStockCompensationExpenseForOptionRepricingForUnvestedStockOptions" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardIncrementalStockCompensationExpenseForOptionRepricingForUnvestedStockOptions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit"/>
  <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_ExerciseOfDerivativeAssetAndPolicyStockholdersLoanShares" name="ExerciseOfDerivativeAssetAndPolicyStockholdersLoanShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false"/>
  <xsd:element id="dave_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesLineItems" name="ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesLineItems" type="xbrli:stringItemType" 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_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAbstract" name="ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAbstract" type="xbrli:stringItemType" 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_PropertyAndEquipmentPurchasesInAccountsPayable" name="PropertyAndEquipmentPurchasesInAccountsPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit"/>
</xsd:schema>
