Nationwide Company. Major Industry. Established Note Issuer.

CPS is a nationwide automobile finance company. We purchase loans from dealers in approximately 45 states each month.

We operate in the sub-prime arena. We finance consumers with poor credit histories or no credit history. In aggregate, this market totals over 10 million new and used vehicle sales annually.

Our common stock trades on NASDAQ. Our stock symbol is CPSS. We have been in business since 1991. We have been selling notes to retail investors since 2005.

Here are some of our key business metrics. The Company section at the top of this page has more details about our financial performance.

Operating Data (in millions)
2015 2016 2017 2018
Auto Loan Contracts Purchased $1,060.54 $1,088.79 $859.07 $902.40
Total Managed Loan Portfolio $2,031.14 $2,308.07 $2,333.53 $2,380.85
Financial Data (in thousands)
2015 2016 2017 2018
Annual Revenue $363,650 $422,282 $434,383 $389,775
Pretax Income $61,382 $49,661 $32,071 $18,703
Net Income $34,681 $29,300 $3,765 $14,862
Assets $2,128,925 $2,410,402 $2,424,841 $2,485,680
Shareholder's Equity $161,159 $186,218 $183,937 $197,118

You are lending money to CPS when you purchase a note. The note represents our obligation to repay your loan with interest.

At maturity, you can either redeem your note, change the term or principal amount, or do nothing. If you do nothing, your note will renew for another term at the then current interest rate.

The notes are not bank CD's. They are not FDIC-insured. They are unsecured and subordinated to all other CPS debts. The notes include a risk of loss as described in the Prospectus.

Interest Compounds Daily

You chose your interest payment schedule - monthly, quarterly, semi-annually, annually, or at maturity. Interest rates are fixed for the note term.

No Fees or Commissions

You never pay a commission or fee to purchase, renew or redeem a note. 100% of your investment earns interest.

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