You can earn attractive interest rates by purchasing CPS Notes.

Terms range from three months to ten years. You choose the interest payment schedule you like best.

You are lending money to Consumer Portfolio Services when you purchase a note. The notes are not bank CD's. They are not FDIC-insured. The notes include the risk of loss as described in the Prospectus.

How to invest in CPS Notes:

  • Carefully read the Prospectus and its supplements, including the section of the Notes Offering Supplement entitled "Risk Factors".
  • Complete and sign a Subscription Agreement identifying the dollar amounts and terms of the notes you wish to purchase.
  • Complete and sign a Direct Deposit Form identifying the account where your principal and interest payments should be deposited.
  • Complete and sign a W-9 form to verify your tax ID number. We may be unable to process any principal or interest payments without this form.
  • Write a check for your aggregate investment amount made payable to Consumer Portfolio Services, Inc.
  • Mail your check, the Subscription Agreement, the Direct Deposit Form, and the W-9 to:
    CPS Notes
    P.O. Box 5474
    Hopkins, MN 55343

If you have any questions, please call CPS Notes Investor Services at 888-776-1887
or email us at

CPS Notes are available in the states shaded blue
US map of states subordinated notes
  • 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
  • Wisconsin

Documents and Forms

In this section you can download PDF formatted documents and forms pertaining to CPS. You will need to have Adobe Reader to view these documents.