CPS Notes are a High Yield Fixed Rate Investment

Interest is compounded daily and fixed for the term of the note. The interest rate you receive depends on the term of the note and the amount invested. You can choose to have your interest paid monthly, quarterly, semi-annually, annually, or at maturity.

The following interest rates are currently effective.


  1. We determine the applicable portfolio amount at the time you purchase or renew a note by aggregating the principal amount of all notes issued by Consumer Portfolio Services, Inc. that are currently owned by you and your immediate family members. Immediate family members include your parents, children, siblings, grandparents and grandchildren. Members of a sibling's family are also considered immediate family members if the sibling is also a note holder.

We are offering these notes to investors in the following states of the United States of America: Arkansas, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Vermont, and Wisconsin.

Print Interest Rates

Investment Risks

You are lending money to Consumer Portfolio Services, Inc. when you purchase a note. The notes are not bank CDs. They are not FDIC-insured. The notes include the risk of loss as described in the Prospectus section entitled “Risk Factors.” Please read the Prospectus before purchasing a note.