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  <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_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 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_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 abstract="true" id="nav_WarrantyAxis" name="WarrantyAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="nav_WarrantyDomain" name="WarrantyDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" 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>