CPSS / Consumer Portfolio Services, Inc. - SEC申報文件,年度報告,委任書

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基本數據
CIK 889609
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Consumer Portfolio Services, Inc.
SEC Filings (Chronological Order)
本頁面提供了一個完整的、按時間順序排列的美國證券交易委員會(SEC)申報文件列表,不包括我們在其他地方提供的所有權申報。
May 20, 2026 EX-99.1

The Subprime Source Since 1991 March 2026 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company’s expectations of growth and the Company's recorded figures representing allowances for remain

Exhibit 99.1 The Subprime Source Since 1991 March 2026 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company’s expectations of growth and the Company's recorded figures representing allowances for remaining expected lifetime credit losses, its estimates of fair value (most significantly for its receivables accounted for at fair value), it

May 20, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 20, 2026

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 20, 2026 CONSUMER PORTFOLIO SERVICES, INC.

May 14, 2026 424B2

The date of this Prospectus Supplement is May 14, 2026

$50,000,000 This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

May 14, 2026 424B2

Current Interest Rates This is an interest rate supplement dated May 14, 2026 to the prospectus supplement dated May 14, 2026 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, Inc. Intere

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

May 8, 2026 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 1-11416 CONSUMER PORTFOLIO SERVICES, INC.

May 8, 2026 EX-10.1

RECEIVABLES PURCHASE AGREEMENT CONSUMER PORTFOLIO SERVICES, INC., as Seller, and CPS RECEIVABLES FIVE LLC, as Dated as of January 1, 2026 TABLE OF CONTENTS

Exhibit 10.1.0 CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” RECEIVABLES PURCHASE AGREEMENT among CONSUMER PORTFOLIO SERVICES, INC., as Seller, and CPS RECEIVABLES FIVE LLC, as Purchaser Dated as of January 1, 2026 TABLE OF C

May 5, 2026 EX-99.1

CPS ANNOUNCES FIRST QUARTER 2026 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES FIRST QUARTER 2026 EARNINGS § Revenues of $112.3 million compared to $106.9 million in the prior year period § Net income of $5.5 million for the first quarter of 2026, an 18% increase from prior year § Total portfolio balance of $3.942 billion, highest in company history § New contract purchases of $533.2 million in the first quarter, an 18% increase from t

May 5, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 5, 2026

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 5, 2026 CONSUMER PORTFOLIO SERVICES, INC.

April 24, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 22, 2026

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 22, 2026 CONSUMER PORTFOLIO SERVICES, INC.

April 24, 2026 EX-99.1

CPS Announces $514.07 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $514.07 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, April 22, 2026, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its second term securitization in 2026 on Wednesday April 22, 2026. The transaction is CPS's 59th senior subordinate securitization since the beg

April 13, 2026 424B2

Current Interest Rates This is an interest rate supplement dated April 13, 2026 to the prospectus supplement dated April 13, 2026 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, Inc. In

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

April 13, 2026 424B2

The date of this Prospectus Supplement is April 13, 2026

$50,000,000 This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

April 9, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 3, 2026

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 3, 2026 CONSUMER PORTFOLIO SERVICES, INC.

April 9, 2026 EX-99.1

CPS ANNOUNCES CREDIT FACILITY CAPACITY INCREASE

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES CREDIT FACILITY CAPACITY INCREASE LAS VEGAS, Nevada, April 6, 2026 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced that on April 3, 2026, it amended its two-year revolving credit agreement with Capital One, N.A. to increase the capacity of the facility. The amendment applies to both Capital One, N.A

April 2, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 27, 2026

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 27, 2026 CONSUMER PORTFOLIO SERVICES, INC.

March 24, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 24, 2026

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 24, 2026 CONSUMER PORTFOLIO SERVICES, INC.

March 24, 2026 EX-99.1

The Subprime Source Since 1991 December 2025 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company’s expectations of growth and the Company's recorded figures representing allowances for rem

Exhibit 99.1 The Subprime Source Since 1991 December 2025 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company’s expectations of growth and the Company's recorded figures representing allowances for remaining expected lifetime credit losses, its estimates of fair value (most significantly for its receivables accounted for at fair value),

March 16, 2026 EX-10.1

OMNIBUS AMENDMENT

EXHIBIT 10.1.12 EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” OMNIBUS AMENDMENT THIS OMNIBUS AMENDMENT (this “Amendment”), dated as of February 19, 2025, is the: (i) SECOND AMENDMENT TO EIGHTH AMENDED AND RE

March 16, 2026 EX-10.1

THIRD AMENDMENT TO EIGHTH AMENDED AND RESTATED CREDIT AGREEMENT

EXHIBIT 10.1.13 EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” THIRD AMENDMENT TO EIGHTH AMENDED AND RESTATED CREDIT AGREEMENT THIS THIRD AMENDMENT TO EIGHTH AMENDED AND RESTATED CREDIT AGREEMENT (this “Amend

March 16, 2026 EX-10.1

THIRD AMENDMENT TO REVOLVING CREDIT AGREEMENT AND SECOND AMENDMENT TO SERVICING AGREEMENT AND FIRST AMENDMENT TO THE BACKUP SERVICING AGREEMENT

EXHIBIT 10.1.5 EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” THIRD AMENDMENT TO REVOLVING CREDIT AGREEMENT AND SECOND AMENDMENT TO SERVICING AGREEMENT AND FIRST AMENDMENT TO THE BACKUP SERVICING AGREEMENT TH

March 16, 2026 EX-10.1

SECURITY AGREEMENT dated as of November 24, 2015 PAGE NINE FUNDING LLC, as Grantor CREDIT SUISSE AG, NEW YORK BRANCH, as Collateral Agent TABLE OF CONTENTS

EXHIBIT 10.1.3 EXECUTION VERSION SECURITY AGREEMENT dated as of November 24, 2015 between PAGE NINE FUNDING LLC, as Grantor and CREDIT SUISSE AG, NEW YORK BRANCH, as Collateral Agent TABLE OF CONTENTS Page SECTION 1. DEFINITIONS; GRANT OF SECURITY. 1 1.1 Terms Defined in Revolving Credit Agreement or the Servicing Agreement 1 1.2 Terms Defined in the Uniform Commercial Code 1 1.3 General Definitio

March 16, 2026 EX-10.1

PURCHASE AGREEMENT

EXHIBIT 10.1.0 Executed Version PURCHASE AGREEMENT This Purchase Agreement (this “Agreement”) is made as of the 17th day of October, 2025, by and between CONSUMER PORTFOLIO SERVICES, INC., a California corporation (“CPS”) as seller (in such capacity, (the “Seller”), having its chief executive office at 3800 Howard Hughes Pkwy, Suite 1400, Las Vegas, NV 89169 , and PAGE ELEVEN FUNDING LLC, a Delawa

March 16, 2026 EX-10.1

OMNIBUS AMENDMENT

EXHIBIT 10.1.6 EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” OMNIBUS AMENDMENT THIS OMNIBUS AMENDMENT, dated as of April 30, 2025 (this “Amendment”), amends (i) that certain Second Amended and Restated Revol

March 16, 2026 EX-10.1

ARTICLE 1 CERTAIN DEFINITIONS

Exhibit 10.1.16 EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” RECEIVABLES PURCHASE AGREEMENT dated as of April 1, 2025 by and between CONSUMER PORTFOLIO SERVICES, INC., a California corporation (the “Seller”

March 16, 2026 EX-10.1

ARTICLE 1 CERTAIN DEFINITIONS

Exhibit 10.1.17 EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” RECEIVABLES PURCHASE AGREEMENT dated as of January 1, 2025 by and between CONSUMER PORTFOLIO SERVICES, INC., a California corporation (the “Selle

March 16, 2026 EX-10.1

AMENDED AND RESTATED SECURITY AGREEMENT dated as of November 1, 2024 PAGE EIGHT FUNDING LLC CITIBANK, N.A. as Collateral Agent TABLE OF CONTENTS

EXHIBIT 10.1.10 EXECUTION VERSION AMENDED AND RESTATED SECURITY AGREEMENT dated as of November 1, 2024 between PAGE EIGHT FUNDING LLC and CITIBANK, N.A. as Collateral Agent TABLE OF CONTENTS Page ARTICLE I DEFINITIONS 1 Section 1.01 Credit Agreement 1 Section 1.02 Other Defined Terms 1 ARTICLE II SECURITY INTERESTS IN PERSONAL PROPERTY 1 Section 2.01 Security Interest 2 Section 2.02 Representation

March 16, 2026 EX-10.1

Third Amendment to Servicing Agreement

EXHIBIT 10.1.7 Execution version CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” Third Amendment to Servicing Agreement This THIRD AMENDMENT TO SERVICING AGREEMENT, dated as of August 15, 2022 (this “Amendment”), is entered int

March 16, 2026 EX-21

Registrant Consumer Portfolio Services, Inc.

EXHIBIT 21 Registrant Consumer Portfolio Services, Inc. Subsidiaries of the Registrant Name Jurisdiction of Organization CPS Receivables Five LLC Delaware Page Eight Funding LLC Delaware Page Nine Funding LLC Delaware Page Eleven Funding LLC Delaware Folio Residual Holdings LLC Delaware Folio Residual Holdings III LLC Delaware Folio Residual Holdings IV LLC Delaware Folio Residual Holdings V LLC D

March 16, 2026 EX-10.1

FIRST AMENDMENT TO EIGHTH AMENDED AND RESTATED CREDIT AGREEMENT

EXHIBIT 10.1.11 EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” FIRST AMENDMENT TO EIGHTH AMENDED AND RESTATED CREDIT AGREEMENT THIS FIRST AMENDMENT TO EIGHTH AMENDED AND RESTATED CREDIT AGREEMENT (this “Amend

March 16, 2026 EX-10.1

LOAN AND SECURITY AGREEMENT Dated as of October 17, 2025 PAGE ELEVEN FUNDING LLC, as the Borrower, CONSUMER PORTFOLIO SERVICES, INC., as the Servicer and as Seller, COMPUTERSHARE TRUST COMPANY, N.A. as Custodian, Backup Servicer and Paying Agent CAPI

EXHIBIT 10.1.1 EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” LOAN AND SECURITY AGREEMENT Dated as of October 17, 2025 among PAGE ELEVEN FUNDING LLC, as the Borrower, CONSUMER PORTFOLIO SERVICES, INC., as the

March 16, 2026 EX-10.1

ARTICLE 1 CERTAIN DEFINITIONS

EXHIBIT 10.1.14 EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” RECEIVABLES PURCHASE AGREEMENT dated as of October 1, 2025 by and between CONSUMER PORTFOLIO SERVICES, INC., a California corporation (the “Selle

March 16, 2026 EX-10.1

THIRD AMENDED AND RESTATED SALE AND SERVICING AGREEMENT PAGE EIGHT FUNDING LLC, as Purchaser and Borrower, CONSUMER PORTFOLIO SERVICES, INC., As Seller and Servicer, CITIBANK, N.A., as Administrative Agent and Collateral Agent, COMPUTERSHARE TRUST CO

EXHIBIT 10.1.9 EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” THIRD AMENDED AND RESTATED SALE AND SERVICING AGREEMENT among PAGE EIGHT FUNDING LLC, as Purchaser and Borrower, CONSUMER PORTFOLIO SERVICES, INC.

March 16, 2026 EX-10.1

ARTICLE 1 CERTAIN DEFINITIONS

EXHIBIT 10.1.15 EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” RECEIVABLES PURCHASE AGREEMENT dated as of July 1, 2025 by and between CONSUMER PORTFOLIO SERVICES, INC., a California corporation (the “Seller”)

March 16, 2026 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-14116 CONSUMER PORTFOL

March 16, 2026 EX-10.1

EIGHTH AMENDED AND RESTATED CREDIT AGREEMENT dated as of November 1, 2024 PAGE EIGHT FUNDING LLC as Borrower, CONSUMER PORTFOLIO SERVICES, INC., as Servicer, THE LENDERS PARTY HERETO CITIBANK, N.A., as Administrative Agent and Collateral Agent Table

EXHIBIT 10.1.8 EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” EIGHTH AMENDED AND RESTATED CREDIT AGREEMENT dated as of November 1, 2024 among PAGE EIGHT FUNDING LLC as Borrower, CONSUMER PORTFOLIO SERVICES, I

March 16, 2026 EX-10.1

SERVICING AGREEMENT dated as of November 24, 2015 PAGE NINE FUNDING LLC, as Borrower, CONSUMER PORTFOLIO SERVICES, INC., as Servicer, ARES AGENT SERVICES, L.P., as Administrative Agent CREDIT SUISSE AG, NEW YORK BRANCH, as Class A Agent and Collatera

EXHIBIT 10.1.2 EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT BOTH (I) IS NOT MATERIAL AND (II) WOULD BE COMPETITIVELY HARMFUL IF PUBLICLY DISCLOSED. SUCH EXCLUDED INFORMATION HAS BEEN MARKED WITH “[***].” SERVICING AGREEMENT dated as of November 24, 2015 among PAGE NINE FUNDING LLC, as Borrower, CONSUMER PORTFOLIO SERVICES, INC., as Servicer, ARES A

March 16, 2026 EX-10.1

SECOND AMENDMENT TO REVOLVING CREDIT AGREEMENT FIRST AMENDMENT TO SERVICING AGREEMENT

EXHIBIT 10.1.4 EXECUTION VERSION SECOND AMENDMENT TO REVOLVING CREDIT AGREEMENT AND FIRST AMENDMENT TO SERVICING AGREEMENT THIS SECOND AMENDMENT TO REVOLVING CREDIT AGREEMENT AND FIRST AMENDMENT TO SERVICING AGREEMENT, dated as of November 21, 2017 (this “Amendment”), amends: (i) that certain Revolving Credit Agreement, dated as of November 24, 2015 (as amended, supplemented or otherwise modified

March 10, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 10, 2026

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 10, 2026 CONSUMER PORTFOLIO SERVICES, INC.

March 10, 2026 EX-99.1

CPS ANNOUNCES FOURTH QUARTER AND FULL YEAR 2025 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES FOURTH QUARTER AND FULL YEAR 2025 EARNINGS § Interest income increased to $422.7 million for 2025, a 16% increase from prior year § New contract purchases of $1.638 billion for the full year 2025 § Net income of $19.3 million, or $0.80 per diluted share for 2025 LAS VEGAS, NV, March 10, 2026 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS)

March 4, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 4, 2026

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 4, 2026 CONSUMER PORTFOLIO SERVICES, INC.

March 4, 2026 EX-99.1

CPS Announces $50.0 Million Securitization of Residual Interests

Exhibit 99.1 NEWS RELEASE CPS Announces $50.0 Million Securitization of Residual Interests LAS VEGAS, Nevada, March 4, 2026 (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced the closing of a $50.0 million securitization of residual interests from previously issued securitizations. In the transaction, qualified institutional buyers purchased

February 24, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 18, 2026

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 18, 2026 CONSUMER PORTFOLIO SERVICES, INC.

February 5, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 30, 2026

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 30, 2026 CONSUMER PORTFOLIO SERVICES, INC.

January 27, 2026 EX-99.1

CPS Announces $345.61 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $345.61 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, January 27, 2026, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its first term securitization in 2026 on Tuesday January 27, 2026. The transaction is CPS's 58th senior subordinate securitization since the be

January 27, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 27, 2026

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 27, 2026 CONSUMER PORTFOLIO SERVICES, INC.

December 10, 2025 S-8

As filed with the Securities and Exchange Commission on December 10, 2025

As filed with the Securities and Exchange Commission on December 10, 2025 Registration No.

December 10, 2025 EX-FILING FEES

CALCULATION OF FILING FEE TABLES Consumer Portfolio Services, Inc. Table 1: Newly Registered Securities

Ex-Filing Fees CALCULATION OF FILING FEE TABLES S-8 Consumer Portfolio Services, Inc.

November 25, 2025 EX-10.1

CONSUMER PORTFOLIO SERVICES, INC. 2025 EQUITY INCENTIVE PLAN

Exhibit 10.1 CONSUMER PORTFOLIO SERVICES, INC. 2025 EQUITY INCENTIVE PLAN Section 1. Purposes of Plan. The purposes of this Plan are to (a) attract and retain the most talented Participants available, and (b) promote the growth and success of the Company’s business, (i) by aligning the long-term interests of Participants with those of the shareholders by providing an opportunity to acquire an inte

November 25, 2025 EX-10.2

CONSUMER PORTFOLIO SERVICES, INC. 2025 EQUITY INCENTIVE PLAN STOCK OPTION AWARD AGREEMENT

Exhibit 10.2 CONSUMER PORTFOLIO SERVICES, INC. 2025 EQUITY INCENTIVE PLAN STOCK OPTION AWARD AGREEMENT THIS STOCK OPTION AWARD AGREEMENT (this “Agreement”), is entered into as of [], 20[] (the “Date of Grant”), by and between Consumer Portfolio Services, Inc., a California corporation (the “Company”), and [] (the “Participant”). Capitalized terms used in this Agreement and not otherwise defined he

November 25, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 19, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 19, 2025 CONSUMER PORTFOLIO SERVICES, INC.

November 24, 2025 424B2

Current Interest Rates This is an interest rate supplement dated November 24, 2025 to the prospectus supplement dated November 24, 2025 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, I

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

November 24, 2025 424B2

The date of this Prospectus Supplement is November 24, 2025

$50,000,000 This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

November 19, 2025 EX-99.1

The Subprime Source Since 1991 September 2025 Investor Presentation

Exhibit 99.1 The Subprime Source Since 1991 September 2025 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company’s expectations of growth and the Company's recorded figures representing allowances for remaining expected lifetime credit losses, its estimates of fair value (most significantly for its receivables accounted for at fair value)

November 19, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 19, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 19, 2025 CONSUMER PORTFOLIO SERVICES, INC.

November 10, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-11416 CONSUMER PORTFOLIO SERVICES, INC.

November 10, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 10, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 10, 2025 CONSUMER PORTFOLIO SERVICES, INC.

November 10, 2025 EX-99.1

CPS ANNOUNCES THIRD QUARTER 2025 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES THIRD QUARTER 2025 EARNINGS § Revenues of $108.4 million compared to $100.6 million in the prior year period § Pretax income of $7.0 million compared to $6.9 million in the prior year period § New contract purchases of $391.1 million in the quarter LAS VEGAS, NV, November 10, 2025 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or t

October 28, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defin

October 28, 2025 ARS

ANNUAL REPORT

ŽŶƐƵŵĞƌWŽƌƞŽůŝŽ^ĞƌǀŝĐĞƐ͕/ŶĐ͘ A Annual Report 2024 This annual report to shareholders consists of selected portions of the Form 10-K for the fiscal year ended December 31, 2024 filed with the Securities and Exchange Commission (“SEC”) on March 12, 2025, together with a stock performance graph and director identification information, as set forth below.

October 24, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 23, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 23, 2025 CONSUMER PORTFOLIO SERVICES, INC.

October 24, 2025 EX-99.1

CPS Announces $384.6 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $384.6 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, October 23, 2025, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its fourth term securitization in 2025 on Thursday October 23, 2025. The transaction is CPS's 57th senior subordinate securitization since the b

October 23, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 17, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 17, 2025 CONSUMER PORTFOLIO SERVICES, INC.

August 22, 2025 424B2

The date of this Prospectus Supplement is August 22, 2025

$50,000,000 This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

August 22, 2025 424B2

Current Interest Rates This is an interest rate supplement dated August 22, 2025 to the prospectus supplement dated August 22, 2025 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, Inc.

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

August 18, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 18, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 18, 2025 CONSUMER PORTFOLIO SERVICES, INC.

August 18, 2025 EX-99.1

The Subprime Source Since 1991 June 2025 Investor Presentation

Exhibit 99.1 The Subprime Source Since 1991 June 2025 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company’s expectations of growth and the Company's recorded figures representing allowances for remaining expected lifetime credit losses, its estimates of fair value (most significantly for its receivables accounted for at fair value), its

August 11, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 11, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 11, 2025 CONSUMER PORTFOLIO SERVICES, INC.

August 11, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-11416 CONSUMER PORTFOLIO SERVICES, INC.

August 11, 2025 EX-99.1

CPS ANNOUNCES SECOND QUARTER 2025 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES SECOND QUARTER 2025 EARNINGS § Revenues of $109.8 million compared to $95.9 million in the prior year period § Pretax income of $7.0 million compared to $6.7 million in the prior year period § Record high shareholder’s equity- first time over $300 million § New contract purchases of $433.0 million in the quarter LAS VEGAS, NV, August 11, 2025 (GlobeNewswire)

July 28, 2025 EX-99.1

CPS Announces $418.33 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $418.33 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, July 28, 2025, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its third term securitization in 2025 on Monday July 28, 2025. The transaction is CPS's 56th senior subordinate securitization since the beginning

July 28, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 28, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 28, 2025 CONSUMER PORTFOLIO SERVICES, INC.

June 30, 2025 11-K

========================================================================== SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) ☒ Annual Report pursuant to Section 15(d) of the Securities Exchange of 1934 For the fiscal year

Table of Contents ========================================================================== SECURITIES AND EXCHANGE COMMISSION Washington, D.

May 23, 2025 424B2

Current Interest Rates This is an interest rate supplement dated May 23, 2025 to the prospectus supplement dated May 23, 2025 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, Inc. Intere

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

May 23, 2025 424B2

The date of this Prospectus Supplement is May 23, 2025

$50,000,000 This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

May 19, 2025 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 16, 2025 CONSUMER PORTFOLIO SERVICES, INC.

May 19, 2025 EX-99.1

The Subprime Source Since 1991 March 2025 Investor Presentation

Exhibit 99.1 The Subprime Source Since 1991 March 2025 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company’s expectations of growth and the Company's recorded figures representing allowances for remaining expected lifetime credit losses, its estimates of fair value (most significantly for its receivables accounted for at fair value), it

May 13, 2025 EX-99.1

CPS ANNOUNCES FIRST QUARTER 2025 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES FIRST QUARTER 2025 EARNINGS § Revenues of $106.9 million compared to $91.7 million in the prior year period § Net income of $4.7 million, or $0.19 per diluted share § Total portfolio balance of $3.615 billion, highest in company history § New contract purchases of $451.2 million LAS VEGAS, NV, May 12, 2025 (GlobeNewswire) - Consumer Portfolio Services, Inc.

May 13, 2025 EX-99.1

CPS Announces $419.95 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $419.95 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, May 12, 2025, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its second term securitization in 2025 on Monday May 12, 2025. The transaction is CPS's 55th senior subordinate securitization since the beginning

May 13, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 12, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 12, 2025 CONSUMER PORTFOLIO SERVICES, INC.

May 13, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 12, 2025

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 12, 2025 CONSUMER PORTFOLIO SERVICES, INC.

May 12, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-11416 CONSUMER PORTFOLIO SERVICES, INC.

May 5, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 29, 2025 CONSUMER PORTFOLIO SERVICES, INC.

March 26, 2025 424B2

The date of this Prospectus Supplement is March 26, 2025

$50,000,000 This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

March 26, 2025 424B2

Current Interest Rates This is an interest rate supplement dated March 26, 2025 to the prospectus supplement dated March 26, 2025 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, Inc. In

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

March 24, 2025 EX-99.1

The Subprime Source Since 1991 December 2024 Investor Presentation

Exhibit 99.1 The Subprime Source Since 1991 December 2024 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company’s expectations of growth and the Company's recorded figures representing allowances for remaining expected lifetime credit losses, its estimates of fair value (most significantly for its receivables accounted for at fair value),

March 24, 2025 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 21, 2025 CONSUMER PORTFOLIO SERVICES, INC.

March 21, 2025 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 20, 2025 CONSUMER PORTFOLIO SERVICES, INC.

March 21, 2025 EX-99.1

CPS Announces $65.0 Million Securitization of Residual Interests

Exhibit 99.1 NEWS RELEASE CPS Announces $65.0 Million Securitization of Residual Interests LAS VEGAS, Nevada, March 20, 2025 (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced the closing of a $65.0 million securitization of residual interests from previously issued securitizations. In the transaction, a qualified institutional buyer purchas

March 12, 2025 EX-19

Insider Trading Policy

Exhibit 19 CONSUMER PORTFOLIO SERVICES, INC. CORPORATE POLICY REGARDING INSIDER TRADING This Corporate Policy Regarding Insider Trading (the “Policy”) of Consumer Portfolio Services, Inc. (“CPS” or the “Company”) sets forth the policy and procedures for directors, executive officers, and employees when trading in Company securities. This Policy is divided into two parts: · Part I prohibits trading

March 12, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-14116 CONSUMER PORTFOL

March 12, 2025 EX-21

List of subsidiaries of the registrant

Exhibit 21 Registrant Consumer Portfolio Services, Inc. Subsidiaries of the Registrant Name Jurisdiction of Organization CPS Receivables Five LLC Delaware Page Eight Funding LLC Delaware Page Nine Funding LLC Delaware Folio Residual Holdings LLC Delaware Folio Residual Holdings III LLC Delaware Folio Residual Holdings IV LLC Delaware Other subsidiaries, which would not constitute a significant sub

February 26, 2025 EX-99.1

CPS ANNOUNCES FOURTH QUARTER AND FULL YEAR 2024 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES FOURTH QUARTER AND FULL YEAR 2024 EARNINGS § Revenues of $105.3 million for the fourth quarter and $393.5 million for 2024 § Net income of $19.2 million, or $0.79 per diluted share for 2024 § Total portfolio balance of $3.491 billion, highest in company history § New contract purchases of $1.682 billion for the full year 2024 LAS VEGAS, NV, February 25, 2025

February 26, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 25, 2025 CONSUMER PORTFOLIO SERVICES, INC.

January 28, 2025 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 22, 2025 CONSUMER PORTFOLIO SERVICES, INC.

January 28, 2025 EX-99.1

CPS Announces $442.4 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $442.4 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, January 22, 2025, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its first term securitization in 2025 on Wednesday January 22, 2025. The transaction is CPS's 54th senior subordinate securitization since the b

December 20, 2024 EX-99.1

CPS ANNOUNCES CREDIT FACILITY CAPACITY INCREASE

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES CREDIT FACILITY CAPACITY INCREASE LAS VEGAS, Nevada, December 19, 2024 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced that on December 16, 2024, it amended its two-year revolving credit agreement with Citibank, N.A to increase the capacity of the facility. The amendment also applies to the subordin

December 20, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 16, 2024 CONSUMER PORTFOLIO SERVICES, INC.

November 21, 2024 424B2

The date of this Prospectus Supplement is November 21, 2024

$50,000,000 This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

November 21, 2024 424B2

Current Interest Rates This is an interest rate supplement dated November 21, 2024 to the prospectus supplement dated November 21, 2024 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, I

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

November 18, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 12, 2024

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 12, 2024 CONSUMER PORTFOLIO SERVICES, INC.

November 8, 2024 EX-99.1

The Subprime Source Since 1991 September 2024 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company’s expectations of growth and the Company's recorded figures representing allowances for re

Exhibit 99.1 The Subprime Source Since 1991 September 2024 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company’s expectations of growth and the Company's recorded figures representing allowances for remaining expected lifetime credit losses, its estimates of fair value (most significantly for its receivables accounted for at fair value)

November 8, 2024 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 8, 2024 CONSUMER PORTFOLIO SERVICES, INC.

November 7, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 Commission file number: 001-11416 CONSUMER PORTFOLIO SERVICES, INC.

November 7, 2024 8-K

Entry into a Material Definitive Agreement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 1, 2024 CONSUMER PORTFOLIO SERVICES, INC.

November 1, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 31, 2024

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 31, 2024 CONSUMER PORTFOLIO SERVICES, INC.

November 1, 2024 EX-99.1

CPS ANNOUNCES THIRD QUARTER 2024 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES THIRD QUARTER 2024 EARNINGS § Revenues of $100.6 million compared to $92.1 million in the prior year period § Net income of $4.8 million, or $0.20 per diluted share § Total portfolio balance of $3.330 billion, highest in company history § New contract purchases of $445.9 million, compared to $322.4 million in the prior year period LAS VEGAS, NV, October 31,

October 11, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive

October 11, 2024 ARS

ANNUAL REPORT

ŽŶƐƵŵĞƌWŽƌƞŽůŝŽ^ĞƌǀŝĐĞƐ͕/ŶĐ͘ A Annual Report 2023 This annual report to shareholders consists of selected portions of the Form 10-K for the fiscal year ended December 31, 2023 filed with the Securities and Exchange Commission (“SEC”) on March 15, 2024, together with a stock performance graph and director identification information, as set forth below.

September 20, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 17, 2024 CONSUMER PORTFOLIO SERVICES, INC.

September 20, 2024 EX-99.1

CPS Announces $416.82 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $416.82 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, September 17, 2024, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its fourth term securitization in 2024 on Tuesday, September 17, 2024. The transaction is CPS's 53rd senior subordinate securitization since

August 14, 2024 424B2

Current Interest Rates This is an interest rate supplement dated August 14, 2024 to the prospectus supplement dated August 14, 2024 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, Inc.

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

August 14, 2024 424B2

The date of this Prospectus Supplement is August 14, 2024

$50,000,000 This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

August 9, 2024 EX-99.1

The Subprime Source Since 1991 June 2024 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company’s expectations of growth and the Company's recorded figures representing allowances for remaini

Exhibit 99.1 The Subprime Source Since 1991 June 2024 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company’s expectations of growth and the Company's recorded figures representing allowances for remaining expected lifetime credit losses, its estimates of fair value (most significantly for its receivables accounted for at fair value), its

August 9, 2024 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 9, 2024 CONSUMER PORTFOLIO SERVICES, INC.

August 8, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 ☐ Commission file number: 1-11416 CONSUMER PORTFOLIO SERVICES, INC.

July 31, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 30, 2024 CONSUMER PORTFOLIO SERVICES, INC.

July 31, 2024 EX-99.1

CPS ANNOUNCES SECOND QUARTER 2024 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES SECOND QUARTER 2024 EARNINGS § Revenues of $95.9 million compared to $84.9 million in the prior year period § Pretax income of $6.7 million § Net income of $4.7 million, or $0.19 per diluted share § New contract purchases of $431.9 million, compared to $318.4 million in the prior year period LAS VEGAS, NV, July 30, 2024 (GlobeNewswire) - Consumer Portfolio S

July 19, 2024 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 18, 2024 CONSUMER PORTFOLIO SERVICES, INC.

July 12, 2024 EX-99.1

CPS ANNOUNCES RENEWAL OF $200 MILLION CREDIT FACILITY

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES RENEWAL OF $200 MILLION CREDIT FACILITY LAS VEGAS, Nevada, July 11, 2024 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced that on July 11, 2024, it renewed its two-year revolving credit agreement with Citibank, N.A. Loans under the renewed credit agreement will be secured by automobile receivables th

July 12, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 11, 2024 CONSUMER PORTFOLIO SERVICES, INC.

July 2, 2024 EX-99.1

CPS Announces $436.31 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $436.31 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, June 26, 2024, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its third term securitization in 2024 on Wednesday June 26, 2024. The transaction is CPS's 52nd senior subordinate securitization since the beginn

July 2, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 26, 2024 CONSUMER PORTFOLIO SERVICES, INC.

June 28, 2024 11-K

========================================================================== SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) [x] Annual Report pursuant to Section 15(d) of the Securities Exchange of For the fiscal year en

========================================================================== SECURITIES AND EXCHANGE COMMISSION Washington, D.

June 21, 2024 EX-99.1

The Subprime Source Since 1991 March 2024 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company's recorded figures representing allowances for remaining expected lifetime credit losses, it’s

Exhibit 99.1 The Subprime Source Since 1991 March 2024 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company's recorded figures representing allowances for remaining expected lifetime credit losses, it’s marks to the carrying value for the portion of its portfolio accounted for at fair value, its charge to the provision for credit losses

June 21, 2024 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 21, 2024 CONSUMER PORTFOLIO SERVICES, INC.

May 14, 2024 424B2

Current Interest Rates This is an interest rate supplement dated May 14, 2024 to the prospectus supplement dated May 14, 2024 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, Inc. Intere

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

May 14, 2024 424B2

The date of this Prospectus Supplement is May 14, 2024

$50,000,000 This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

May 13, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 10, 2024

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 10, 2024 CONSUMER PORTFOLIO SERVICES, INC.

May 13, 2024 EX-99.1

CPS ANNOUNCES FIRST QUARTER 2024 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES FIRST QUARTER 2024 EARNINGS § Revenues of $91.7 million compared to $83.1 million in the prior year period § Pretax income of $6.6 million § Net income of $4.6 million, or $0.19 per diluted share § New contract purchases of $346.3 million LAS VEGAS, NV, May 10, 2024 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) t

May 10, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 ☐ Commission file number: 1-11416 CONSUMER PORTFOLIO SERVICES, INC.

April 25, 2024 EX-99.1

CPS Announces $319.9 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $319.9 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, April 23, 2024, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its second term securitization in 2024 on Tuesday April 23, 2024. The transaction is CPS's 51st senior subordinate securitization since the beginn

April 25, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 23, 2024 CONSUMER PORTFOLIO SERVICES, INC.

April 16, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 10, 2024 CONSUMER PORTFOLIO SERVICES, INC.

April 9, 2024 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 9, 2024 CONSUMER PORTFOLIO SERVICES, INC.

April 9, 2024 EX-99.1

The Subprime Source Since 1991 December 2023 Investor Presentation

Exhibit 99.1 The Subprime Source Since 1991 December 2023 Investor Presentation SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company's recorded figures representing allowances for remaining expected lifetime credit losses, it’s marks to the carrying value for the portion of its portfolio accounted for at fair value, its charge to the provision for credit loss

April 4, 2024 EX-99.1

CPS ANNOUNCES RENEWAL OF $200 MILLION CREDIT FACILITY

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES RENEWAL OF $200 MILLION CREDIT FACILITY LAS VEGAS, Nevada, April 1, 2024 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced that on March 29, 2024, it renewed its two-year revolving credit agreement with Ares Agent Services, L.P. Loans under the renewed credit agreement will be secured by automobile re

April 4, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 29, 2024 CONSUMER PORTFOLIO SERVICES, INC.

April 1, 2024 424B2

The date of this Prospectus Supplement is April 1, 2024

$50,000,000 This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

April 1, 2024 424B2

Current Interest Rates This is an interest rate supplement dated April 1, 2024 to the prospectus supplement dated April 1, 2024 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, Inc. Inte

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

March 22, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 22, 2024 CONSUMER PORTFOLIO SERVICES, INC.

March 22, 2024 EX-99.1

CPS Announces $50.0 Million Securitization of Residual Interests

Exhibit 99.1 CPS Announces $50.0 Million Securitization of Residual Interests LAS VEGAS, Nevada, March 22, 2024 (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced the closing of a $50.0 million securitization of residual interests from previously issued securitizations. In the transaction, a qualified institutional buyer purchased $50.0 mill

March 18, 2024 EX-99.1

CPS ANNOUNCES FOURTH QUARTER AND FULL YEAR 2023 EARNINGS

Exhibit 99.1 CPS ANNOUNCES FOURTH QUARTER AND FULL YEAR 2023 EARNINGS · Pretax income of $9.8 million for the fourth quarter and $61.1 million for 2023 · Revenues of $92.0 million for the fourth quarter and $352.0 million for 2023 · Net income of $45.3 million, or $1.80 per diluted share for 2023 · New contract purchases of $1.358 billion for the full year 2023 · Largest managed portfolio balance

March 18, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 15, 2024 CONSUMER PORTFOLIO SERVICES, INC.

March 15, 2024 EX-97.1

Policy Relating to Recovery of Erroneously Awarded Compensation

EXHIBIT 97 Consumer Portfolio Services, Inc. Incentive Compensation Recovery Policy (the “Policy”) (as adopted by the Board of Directors on December 1, 2023) 1. Recovery. If Consumer Portfolio Services, Inc. (the “Company”) is required to prepare a Restatement, the Company’s board of directors (the “Board”) shall, unless the Board determines it to be Impracticable, take reasonably prompt action to

March 15, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-14116 CONSUMER PORTFOL

February 9, 2024 SC 13G/A

CPSS / Consumer Portfolio Services, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 8 )* Consumer Portfolio Services Inc (Name of Issuer) Common Stock (Title of Class of Securities) 210502100 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the approp

January 30, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 24, 2024 CONSUMER PORTFOLIO SERVICES, INC.

January 30, 2024 EX-99.1

CPS Announces $280.9 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $280.9 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, January 24, 2024, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its first term securitization in 2024 on Wednesday, January 24, 2024. The transaction is CPS's 50th senior subordinate securitization since the

January 26, 2024 424B2

Current Interest Rates This is an interest rate supplement dated January 27, 2024 to the prospectus dated November 30, 2023 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, Inc. Interest

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

January 8, 2024 424B2

Current Interest Rates This is an interest rate supplement dated January 8, 2024 to the prospectus dated November 30, 2023 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, Inc. Interest

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

December 11, 2023 EX-99.1

Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of September 30, 2023

Exhibit 99.1 Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of September 30, 2023 1 » Consumer finance company focused on sub - prime auto market » Established in 1991. IPO in 1992 » Through September 30 , 2023 , approximately $ 21 . 0 billion in contracts originated » Approximately 867 employees as of September 30, 2023 » $1.1 billion contract originations in nine months

December 11, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 11, 2023

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 11, 2023 CONSUMER PORTFOLIO SERVICES, INC.

December 7, 2023 424B2

Current Interest Rates This is an interest rate supplement dated December 7, 2023 to the prospectus dated November 30, 2023 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, Inc. Interest

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

December 5, 2023 424B2

Current Interest Rates This is an interest rate supplement dated November 30, 2023 to the prospectus dated November 30, 2023 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, Inc. Interes

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

November 28, 2023 CORRESP

November 28, 2023

November 28, 2023 VIA EDGAR Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.

November 20, 2023 S-3/A

As filed with the Securities and Exchange Commission on November 20, 2023

Table of Contents As filed with the Securities and Exchange Commission on November 20, 2023 Registration No.

November 20, 2023 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 14, 2023 CONSUMER PORTFOLIO SERVICES, INC.

November 20, 2023 CORRESP

November 20, 2023

Matthew W. Mamak Direct Dial: 212-210-1256 Email: [email protected] November 20, 2023 VIA: ELECTRONIC MAIL Mr. Todd K. Schiffman Office of Finance Division of Corporation Finance U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: CONSUMER PORTFOLIO SERVICES, INC. Amendment No. 1 on Form S-3 filed August 7, 2023 File No. 333-272653 Dear Mr. Schiffman: On be

November 13, 2023 EX-99.1

CPS ANNOUNCES THIRD QUARTER 2023 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES THIRD QUARTER 2023 EARNINGS § Revenue of $92.1 million, compared to $90.3 million in the prior year period § Pretax income of $14.2 million § Net income of $10.4 million, or $0.41 per diluted share § New contract purchases of $322.4 million LAS VEGAS, NV, November 9, 2023 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Compa

November 13, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 9, 2023

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 9, 2023 CONSUMER PORTFOLIO SERVICES, INC.

November 9, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 1-11416 CONSUMER PORTFOLIO SERVICES, INC.

October 27, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 24, 2023

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 24, 2023 CONSUMER PORTFOLIO SERVICES, INC.

October 27, 2023 EX-99.1

CPS Announces $286.1 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $286.1 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, October 24, 2023, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its fourth term securitization in 2023 on Tuesday, October 24, 2023. The transaction is CPS's 49th senior subordinate securitization since the b

October 20, 2023 ARS

ARS

2022 CONSUMER PORTFOLIO SERVICES, INC. ANNUAL REPORT This annual report to shareholders consists of selected portions of the Form 10-K for the fiscal year ended December 31, 2022 filed with the Securities and Exchange Commission (“SEC”) on March 15, 2023, together with a stock performance graph and director identification information, as set forth below. The entire report on Form 10-K may be acces

October 20, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive

October 2, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 2, 2023

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 2, 2023 CONSUMER PORTFOLIO SERVICES, INC.

September 15, 2023 EX-99.1

Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of June 30, 2023

Exhibit 99.1 Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of June 30, 2023 » Consumer finance company focused on sub - prime auto market » Established in 1991. IPO in 1992 » Through June 30, 2023, approximately $20.7 billion in contracts originated » Approximately 803 employees as of June 30, 2023 » $733.5 million contract originations in six months ended June 2023; $1.9

September 15, 2023 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 15, 2023 CONSUMER PORTFOLIO SERVICES, INC.

August 14, 2023 LETTER

LETTER

United States securities and exchange commission logo August 14, 2023 Mike Lavin President, Chief Operating Officer and Chief Legal Officer CONSUMER PORTFOLIO SERVICES, INC.

August 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☐ For the quarterly period ended June 30, 2023 Commission file number: 1-11416 CONSUMER PORTFOLIO SERVICES, INC.

August 7, 2023 CORRESP

Chase Tower 2200 Ross Avenue, Suite 2300 Dallas, TX 75201 214-922-3400 | Fax: 214-922-3899

Chase Tower 2200 Ross Avenue, Suite 2300 Dallas, TX 75201 214-922-3400 | Fax: 214-922-3899 Patrick C.

August 7, 2023 S-3/A

As filed with the Securities and Exchange Commission on August 7, 2023

Table of Contents As filed with the Securities and Exchange Commission on August 7, 2023 Registration No.

August 3, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 2, 2023

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 2, 2023 CONSUMER PORTFOLIO SERVICES, INC.

August 3, 2023 EX-99.1

CPS ANNOUNCES SECOND QUARTER 2023 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES SECOND QUARTER 2023 EARNINGS § Revenues of $84.9 million compared to $82.0 million in the prior year period § Pretax income of $18.6 million § Net income of $14.0 million, or $0.55 per diluted share § New contract purchases of $318.4 million LAS VEGAS, NV, August 2, 2023 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Compan

July 28, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 25, 2023

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 25, 2023 CONSUMER PORTFOLIO SERVICES, INC.

July 28, 2023 EX-99.1

CPS Announces $291.7 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $291.7 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, July 25, 2023, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its third term securitization in 2023 on Tuesday, July 25, 2023. The transaction is CPS's 48th senior subordinate securitization since the beginnin

July 14, 2023 11-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) [x] Annual Report pursuant to Section 15(d) of the Securities Exchange of For the fiscal year ended December 31, 2022 [ ] Transition Report pursuant to Section 15(d) of th

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 - FORM 11-K (Mark One) [x] Annual Report pursuant to Section 15(d) of the Securities Exchange of 1934 For the fiscal year ended December 31, 2022 OR [ ] Transition Report pursuant to Section 15(d) of the Securities Exchange Act of 1934 [No Fee Required] For the transition period from to Commission File Number 1-11416 A. Full title of the pl

June 29, 2023 NT 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING (Check one): ☐ Form 10-K ☐ Form 20-F ☒ Form 11-K ☐ Form 10-Q ☐ Form 10-D ☐ Form N-CEN ☐ Form N-CSR For Period Ended: December 31, 2022 ☐ Transition Report on Form 10-K ☐ Transition Report on Form 20-F ☐ Transition Report on Form 11-K ☐ Transition Report on Form 10-Q For the Transition Pe

June 29, 2023 LETTER

LETTER

United States securities and exchange commission logo June 29, 2023 Mike Lavin President, Chief Operating Officer and Chief Legal Officer CONSUMER PORTFOLIO SERVICES, INC.

June 15, 2023 S-3

As filed with the Securities and Exchange Commission on June 14, 2023

As filed with the Securities and Exchange Commission on June 14, 2023 Registration No.

June 15, 2023 EX-4.5

Supplement No. 3 dated June 14, 2023 to Indenture re RUS Notes.

Exhibit 4.5 SUPPLEMENTAL INDENTURE NO. 3 (the “Supplemental Indenture”), dated as of June 14, 2023 between CONSUMER PORTFOLIO SERVICES, INC., a California corporation (the “Obligor”), and COMPUTERSHARE TRUST COMPANY, NATIONAL ASSOCIATION, as successor to WELLS FARGO BANK, NATIONAL ASSOCIATION, as trustee (the “Trustee”), to the indenture dated as of September 24, 2010 (the “Indenture”) between the

June 15, 2023 EX-25.1

Form T-1 Statement of Eligibility and Qualification under the Trust Indenture Act of 1939 under the Subordinated Indenture.

Exhibit 25.1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) [ ] COMPUTERSHARE TRUST COMPANY, NATIONAL ASSOCIATION (Exact name of trustee as specified in its charter)

June 15, 2023 EX-FILING FEES

Filing Fee Table.

Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) CONSUMER PORTFOLIO SERVICES, INC.

June 1, 2023 EX-99.1

Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of March 31, 2023

Exhibit 99.1 Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of March 31, 2023 1 » Consumer finance company focused on sub - prime auto market » Established in 1991. IPO in 1992 » Through March 31, 2023, approximately $20.4 billion in contracts originated » Approximately 786 employees as of March 31, 2023 » $415.2 million contract originations in Q1 2023; $1.9 billion contr

June 1, 2023 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 31, 2023 CONSUMER PORTFOLIO SERVICES, INC.

May 10, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 1-11416 CONSUMER PORTFOLIO SERVICES, INC.

May 2, 2023 EX-99.1

CPS Announces $332.9 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $332.9 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, April 27, 2023, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) announced the closing of its second term securitization in 2023 on Wednesday, April 26, 2023. The transaction is CPS's 47th senior subordinate securitization since the beg

May 2, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 26, 2023

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 26, 2023 CONSUMER PORTFOLIO SERVICES, INC.

May 1, 2023 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A Amendment No 2 ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A Amendment No 2 ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-14116 CONSUMER PORTFOLI

April 27, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 26, 2023

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 26, 2023 CONSUMER PORTFOLIO SERVICES, INC.

April 27, 2023 EX-99.1

CPS ANNOUNCES FIRST QUARTER 2023 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES FIRST QUARTER 2023 EARNINGS § Revenues of $83.1 million compared to $74.4 million in the prior year period § Pretax income of $18.4 million § Net income of $13.8 million, or $0.54 per diluted share § New contract purchases of $415.2 million LAS VEGAS, NV, April 26, 2023 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company

March 24, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 24, 2023

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 24, 2023 CONSUMER PORTFOLIO SERVICES, INC.

March 24, 2023 EX-99.1

Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of December 31, 2022

Exhibit 99.1 Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of December 31, 2022 1 » Consumer finance company focused on sub - prime auto market » Established in 1991. IPO in 1992 » Through December 31, 2022, approximately $20.0 billion in contracts originated » Approximately 784 employees as of December 31, 2022 » $1.9 billion contract originations in 2022; $1.1 billion c

March 16, 2023 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Amendment No 1 to FORM 10-K/A ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PUR

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Amendment No 1 to FORM 10-K/A ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-14

March 16, 2023 EX-21

List of subsidiaries of the registrant

Exhibit 21 Registrant Consumer Portfolio Services, Inc. Subsidiaries of the Registrant Name Jurisdiction of Organization CPS Receivables Five LLC Delaware Page Eight Funding LLC Delaware Page Nine Funding LLC Delaware Folio Residual Holdings LLC Delaware Folio Residual Holdings III LLC Delaware Other subsidiaries, which would not constitute a significant subsidiary if considered collectively as a

March 15, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-14116 CONSUMER PORTFOL

March 15, 2023 EX-99.1

CPS ANNOUNCES FOURTH QUARTER AND FULL YEAR 2022 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES FOURTH QUARTER AND FULL YEAR 2022 EARNINGS § Pretax income of $18.3 million for the fourth quarter and $116.2 million for 2022 § Net income of $14.1 million, or $0.59 per diluted share for the fourth quarter § Net income of $86.0 million, or $3.23 per diluted share for 2022 § New contract purchases of $1.854 billion for the full year 2022 LAS VEGAS, NV, Marc

March 15, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 9, 2023 CONSUMER PORTFOLIO SERVICES, INC.

March 15, 2023 EX-99.2

CPS TO HOST CONFERENCE CALL ON FOURTH QUARTER 2022 EARNINGS

Exhibit 99.2 NEWS RELEASE CPS TO HOST CONFERENCE CALL ON FOURTH QUARTER 2022 EARNINGS Las Vegas, Nevada, March 14, 2023 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced that it will hold a conference call on Wednesday, March 15, 2023 at 1:00 p.m. ET to discuss its fourth quarter 2022 operating results. Those wishing to participate can pre-

March 15, 2023 EX-21

List of subsidiaries of the registrant

Exhibit 21 Registrant Consumer Portfolio Services, Inc. Subsidiaries of the Registrant Name Jurisdiction of Organization CPS Receivables Five LLC Delaware Page Eight Funding LLC Delaware Page Nine Funding LLC Delaware Folio Residual Holdings LLC Delaware Folio Residual Holdings III LLC Delaware Other subsidiaries, which would not constitute a significant subsidiary if considered collectively as a

February 10, 2023 SC 13G/A

CPSS / Consumer Portfolio Services, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 7 )* Consumer Portfolio Services Inc (Name of Issuer) Common Stock (Title of Class of Securities) 210502100 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to w

January 31, 2023 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) January 25, 2023 CONSUMER PORTFOLIO SERVICES, INC.

January 31, 2023 EX-99.1

CPS Announces $324.8 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $324.8 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, January 25, 2023, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced the closing of its first term securitization in 2023. The transaction is CPS's 46th senior subordinate securitization since the beginning of 2011 and the

December 9, 2022 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 9, 2022 CONSUMER PORTFOLIO SERVICES, INC.

December 9, 2022 EX-99.1

Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of September 30, 2022

Exhibit 99.1 Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of September 30, 2022 ? Consumer finance company focused on sub - prime auto market ? Established in 1991. IPO in 1992 ? Through September 30, 2022, approximately $19.5 billion in contracts originated ? Approximately 792 employees as of September 30, 2022 ? $1.4 billion million contract originations in nine months

December 8, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) December 2, 2022 CONSUMER PORTFOLIO SERVICES, INC.

November 14, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 1-11416 CONSUMER PORTFOLIO SERVICES, INC.

November 10, 2022 EX-99.1

CPS ANNOUNCES THIRD QUARTER 2022 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES THIRD QUARTER 2022 EARNINGS ? Pretax income of $34.3 million, a 76% increase over the prior year period ? Net income of $25.4 million, an 85% increase over the $13.7 million in Q3 2021 ? Diluted EPS of $0.95 compared to $0.52 in the prior year period ? New contract purchases of $468.2 million, a 43% increase over the prior year period LAS VEGAS, NV, November

November 10, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) November 9, 2022 CONSUMER PORTFOLIO SERVICES, INC.

November 1, 2022 EX-99.1

CPS Announces $307.0 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $307.0 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, October 26, 2022, (GlobeNewswire) – Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced the closing of its fourth term securitization in 2022. The transaction is CPS's 45th senior subordinate securitization since the beginning of 2011 and th

November 1, 2022 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 26, 2022

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) October 26, 2022 CONSUMER PORTFOLIO SERVICES, INC.

September 23, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 23, 2022 CONSUMER PORTFOLIO SERVICES, INC.

September 16, 2022 EX-99.1

Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of June 30, 2022

Exhibit 99.1 Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of June 30, 2022 ? Consumer finance company focused on sub - prime auto market ? Established in 1991. IPO in 1992 ? Through June 30, 2022, approximately $19.1 billion in contracts originated ? Approximately 799 employees as of June 30, 2022 ? $958.1 million contract originations in six months ended June 2022; $1.1

September 16, 2022 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) September 16, 2022 CONSUMER PORTFOLIO SERVICES, INC.

August 31, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 25, 2022 CONSUMER PORTFOLIO SERVICES, INC.

August 8, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 1-11416 CONSUMER PORTFOLIO SERVICES, INC.

August 8, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) August 3, 2022 CONSUMER PORTFOLIO SERVICES, INC.

August 8, 2022 EX-99.1

CPS Announces $391.6 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 NEWS RELEASE CPS Announces $391.6 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, August 3, 2022, (GlobeNewswire) ? Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (?CPS? or the ?Company?) today announced the closing of its third term securitization in 2022. The transaction is CPS's 44th senior subordinate securitization since the beginning of 2011 and the 2

August 4, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definitive

July 26, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 25, 2022 CONSUMER PORTFOLIO SERVICES, INC.

July 26, 2022 EX-99.1

CPS ANNOUNCES SECOND QUARTER 2022 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES SECOND QUARTER 2022 EARNINGS ? Pretax income of $34.2 million, a 147% increase over the prior year period ? Net income of $25.3 million, or $0.91 per diluted share ? New contract purchases of $548.1 million, a 33.7% increase over the first quarter of 2022 LAS VEGAS, NV, July 25, 2022 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (?CPS? o

July 21, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) July 15, 2022 CONSUMER PORTFOLIO SERVICES, INC.

July 21, 2022 EX-99.1

CPS ANNOUNCES RENEWAL AND DOUBLING OF CREDIT FACILITY

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES RENEWAL AND DOUBLING OF CREDIT FACILITY LAS VEGAS, Nevada, July 15, 2022 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (?CPS? or the ?Company?) today announced that it renewed its two-year revolving credit agreement with Citibank, N.A., and doubled the capacity from $100 million to $200 million. Loans under the renewed credit agreement w

July 21, 2022 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 21, 2022 CONSUMER PORTFOLIO SERVICES, INC. (Exact name of registrant as specified in its charter) California (State or other jurisdiction of incorporation) 1-11416 33-0459135 (Co

July 21, 2022 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 21, 2022 CONSUMER PORTFOLIO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 21, 2022 CONSUMER PORTFOLIO SERVICES, INC. (Exact name of registrant as specified in its charter) California (State or other jurisdiction of incorporation) 1-11416 33-0459135 (Co

July 1, 2022 EX-99.1

CPS ANNOUNCES DOUBLING OF CREDIT FACILITY TO $200 MILLION

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES DOUBLING OF CREDIT FACILITY TO $200 MILLION LAS VEGAS, Nevada, June 30, 2022 (GlobeNewswire) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (?CPS? or the ?Company?) today announced that on June 28, 2022 it increased the capacity of its credit agreement with Ares Agent Services, L.P. from $100 million to $200 million Loans under the amended credit agreeme

July 1, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) June 28, 2022 CONSUMER PORTFOLIO SERVICES, INC.

June 29, 2022 11-K

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) [x] Annual Report pursuant to Section 15(d) of the Securities Exchange of 1934 For the fiscal year ended December 31, 2021 [ ] Transition Report pursuant to Section 15(d)

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 - FORM 11-K (Mark One) [x] Annual Report pursuant to Section 15(d) of the Securities Exchange of 1934 For the fiscal year ended December 31, 2021 OR [ ] Transition Report pursuant to Section 15(d) of the Securities Exchange Act of 1934 [No Fee Required] For the transition period from to Commission File Number 1-11416 A. Full title of the pl

June 28, 2022 SC 13D/A

CPSS / Consumer Portfolio Services, Inc. / BLACK DIAMOND CAPITAL MANAGEMENT, L.L.C. - SC 13DA Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 4)* CONSUMER PORTFOLIO SERVICES INC. (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 210502100 (CUSIP Number) Adam Tarkan c/o Black Diamond Capital Management L.L.C. 2187 Atlantic Street, 9th Floor Stamford, CT 06902 (203) 552-0888

May 27, 2022 8-K

Shareholder Director Nominations

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) May 23, 2022 CONSUMER PORTFOLIO SERVICES, INC.

May 11, 2022 8-K

Entry into a Material Definitive Agreement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 20, 2022 CONSUMER PORTFOLIO SERVICES, INC.

May 11, 2022 EX-99.1

CPS Announces $395.6 Million Senior Subordinate Asset-Backed Securitization

NEWS RELEASE CPS Announces $395.6 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, April 20, 2022, (GlobeNewswire) ? Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (?CPS? or the ?Company?) today announced the closing of its second term securitization in 2022. The transaction is CPS's 43rd senior subordinate securitization since the beginning of 2011 and the 26th consecut

May 4, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 1-11416 CONSUMER PORTFOLIO SERVICES, INC.

May 2, 2022 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A Amendment No. 1 ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ☐ TRANSITION REPORT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A Amendment No. 1 ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-14116 CONSUMER P

April 19, 2022 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) April 18, 2022 CONSUMER PORTFOLIO SERVICES, INC.

April 19, 2022 EX-99.1

CPS ANNOUNCES FIRST QUARTER 2022 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES FIRST QUARTER 2022 EARNINGS ? Pretax income of $29.3 million, compared to $7.9 million in the prior year period ? Net income of $21.1 million, or $0.75 per diluted share ? New contract purchases of $410.0 million ? Each of the above represent all-time quarterly records since our inception in 1991 LAS VEGAS, NV, April 18, 2022 (GlobeNewswire) - Consumer Portf

March 31, 2022 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) March 31, 2022 CONSUMER PORTFOLIO SERVICES, INC.

March 31, 2022 EX-99.1

Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of December 31, 2021 » Consumer finance company focused on sub - prime auto market » Established in 1991. IPO in 1992 » Through December 31, 2021, approximately $18.1 billion in

Exhibit 99.1 Consumer Portfolio Services, Inc. Nasdaq: CPSS Investor Presentation As of December 31, 2021 ? Consumer finance company focused on sub - prime auto market ? Established in 1991. IPO in 1992 ? Through December 31, 2021, approximately $18.1 billion in contracts originated ? Approximately 740 employees as of December 31, 2021 ? $1.1 billion contract originations in 2021; $742.6 million c

March 16, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ? ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-14116 CONSUMER PORTFOL

March 14, 2022 SC 13D/A

CPSS / Consumer Portfolio Services, Inc. / BLACK DIAMOND CAPITAL MANAGEMENT, L.L.C. - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 3)* CONSUMER PORTFOLIO SERVICES INC. (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 210502100 (CUSIP Number) Adam Tarkan c/o Black Diamond Capital Management L.L.C. 2187 Atlantic Street, 9th Floor Stamford, CT 06902 (203) 552-0888

February 15, 2022 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 14, 2022 CONSUMER PORTFOLIO SERVICES, INC.

February 15, 2022 EX-99.1

CPS ANNOUNCES FOURTH QUARTER AND FULL YEAR 2021 EARNINGS

Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES FOURTH QUARTER AND FULL YEAR 2021 EARNINGS ? Pretax income of $24.4 million for the fourth quarter and $65.7 million for 2021 ? Net income of $19.0 million, or $0.71 per diluted share for the fourth quarter ? Net income of $47.5 million, or $1.84 per diluted share for 2021 ? New contract purchases of $1.146 billion for the full year 2021 LAS VEGAS, NV, Febru

February 15, 2022 SC 13D/A

CPSS / Consumer Portfolio Services, Inc. / BLACK DIAMOND CAPITAL MANAGEMENT, L.L.C. - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 2)* CONSUMER PORTFOLIO SERVICES INC. (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 210502100 (CUSIP Number) Stephen H. Deckoff One Sound Shore Drive, Suite 200 Greenwich, CT 06830 (203) 552-0888 (Name, Address and Telephone Numbe

February 9, 2022 8-K

Entry into a Material Definitive Agreement, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON DC 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported) February 2, 2022 CONSUMER PORTFOLIO SERVICES, INC.

February 9, 2022 EX-99.1

CPS Announces $316.8 Million Senior Subordinate Asset-Backed Securitization

Exhibit 99.1 CPS Announces $316.8 Million Senior Subordinate Asset-Backed Securitization LAS VEGAS, Nevada, Feb. 02, 2022 (GLOBE NEWSWIRE) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (?CPS? or the ?Company?) today announced the closing of its first term securitization in 2022. The transaction is CPS's 42nd senior subordinate securitization since the beginning of 2011 and the 25th consecutiv

February 9, 2022 EX-99.2

CPS Announces Renewal of $100 Million Credit Facility

Exhibit 99.2 CPS Announces Renewal of $100 Million Credit Facility LAS VEGAS, Nevada, Feb. 03, 2022 (GLOBE NEWSWIRE) - Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (?CPS? or the ?Company?) today announced that on February 2, 2022 it renewed its two-year revolving credit agreement with Ares Agent Services, L.P. Loans under the renewed credit agreement will be secured by automobile receivables t

February 8, 2022 SC 13G/A

CPSS / Consumer Portfolio Services, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 6 )* Consumer Portfolio Services Inc (Name of Issuer) Common Stock (Title of Class of Securities) 210502100 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to w

February 8, 2022 SC 13D/A

CPSS / Consumer Portfolio Services, Inc. / BLACK DIAMOND CAPITAL MANAGEMENT, L.L.C. Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No. 1)* CONSUMER PORTFOLIO SERVICES INC. (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 210502100 (CUSIP Number) Stephen H. Deckoff 2187 Atlantic Street, 9th Floor Stamford, CT 06902 (203) 552-0888 (Name, Address and Telephone Number

January 21, 2022 424B2

Current Interest Rates This is an interest rate supplement dated January 20, 2022 to the prospectus supplement dated January 20, 2022 Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered by Consumer Portfolio Services, Inc

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No.

January 21, 2022 424B2

The date of this Prospectus Supplement is January 20, 2022

424B2 1 cps424b2.htm 424B2 Table of Contents This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No. 333-204492 $20,000,000 Consumer Portfolio Services, Inc. Three and Six Month Renewable Unsecured Subordinated Notes One, Two, Three, Four, Five and Ten Year Renewable Unsecured Subordinated Notes We are offering our renewable unsecured sub

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