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  <xsd:element abstract="true" id="nav_ReportingUnitDomain" name="ReportingUnitDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_RetailAndWholesalePortfoliosMember" name="RetailAndWholesalePortfoliosMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nav_RetailNotesAndFinanceLeasesRevenue" name="RetailNotesAndFinanceLeasesRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_RetailPortfolioMember" name="RetailPortfolioMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_RoyaltiesMember" name="RoyaltiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_SanctionsMember" name="SanctionsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_SaoPauloGroundwaterNoticeMember" name="SaoPauloGroundwaterNoticeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nav_ScheduleOfCondensedStatementOfComprehensiveIncomeTableTextBlock" name="ScheduleOfCondensedStatementOfComprehensiveIncomeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_SegmentAssetsAbstract" name="SegmentAssetsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nav_SegmentProfitLoss" name="SegmentProfitLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="nav_SharesRelatedToConvertibleNotes" name="SharesRelatedToConvertibleNotes" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="nav_SharesRelatedToWarrants" name="SharesRelatedToWarrants" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="nav_SharesofCallOptionsUnwound" name="SharesofCallOptionsUnwound" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="nav_SharesofWarrantsUnwound" name="SharesofWarrantsUnwound" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_SpecificAccrualAxis" name="SpecificAccrualAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_SpecificAccrualDomain" name="SpecificAccrualDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_SpecificLossReservesOnImpairedFinanceReceivablesMember" name="SpecificLossReservesOnImpairedFinanceReceivablesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_StatementsOfOperationsForDiscontinuedOperationsLineItems" name="StatementsOfOperationsForDiscontinuedOperationsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_StatementsOfOperationsForDiscontinuedOperationsTable" name="StatementsOfOperationsForDiscontinuedOperationsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="nav_StatementsOfOperationsForDiscontinuedOperationsTableTextBlock" name="StatementsOfOperationsForDiscontinuedOperationsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_SteelForwardContractsMember" name="SteelForwardContractsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_TaxExemptBondMember" name="TaxExemptBondMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_ThreePointZeroPercentSeniorSubordinatedConvertibleNotesMember" name="ThreePointZeroPercentSeniorSubordinatedConvertibleNotesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nav_ThresholdPercentageOfLastReportedSalePriceOfCommonStock" name="ThresholdPercentageOfLastReportedSalePriceOfCommonStock" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_TracFundingFacilityMember" name="TracFundingFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_TradeAndOtherReceivablesMember" name="TradeAndOtherReceivablesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_TransactiontypeMember" name="TransactiontypeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_UnrecognizedGainsLossesNetMember" name="UnrecognizedGainsLossesNetMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nav_UnrecognizedTaxBenefitsThatWouldNotImpactEffectiveTaxRate" name="UnrecognizedTaxBenefitsThatWouldNotImpactEffectiveTaxRate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="nav_VariableInterestEntityPrimaryBeneficiaryBlueDiamondPartsAndBlueDiamondTruckMember" name="VariableInterestEntityPrimaryBeneficiaryBlueDiamondPartsAndBlueDiamondTruckMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_VariableInterestEntityPrimaryBeneficiarySecuritizationsTreatedAsBorrowingsMember" name="VariableInterestEntityPrimaryBeneficiarySecuritizationsTreatedAsBorrowingsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_VariableInterestEntityPrimaryBeneficiaryTransactionDoesNotQualifyForSaleAccountingMember" name="VariableInterestEntityPrimaryBeneficiaryTransactionDoesNotQualifyForSaleAccountingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_VfnFacilityMember" name="VfnFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="nav_WarrantyRecoveries" name="WarrantyRecoveries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_WholesalePortfolioMember" name="WholesalePortfolioMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
</XBRL>