Consumer Portfolio sets note yields up to 8.4%

CONSUMER PORTFOLIO SERVICES, INC.

Rhea-AI Filing Summary

CONSUMER PORTFOLIO SERVICES, INC. (CPSS) updated the interest rates on its Renewable Unsecured Subordinated Notes, effective August 26, 2026. Annual interest rates vary by note term and investor “Portfolio Amount,” ranging from 4.50% for a 3‑month note at $1,000–$24,999 up to 8.40% for a 4‑year note at $100,000 or more. The supplement states that, where inconsistent, these specific rate terms control over the related base prospectus and prior prospectus supplement. The notes are being offered to investors in a defined list of U.S. states, including large markets such as California, Florida, New York, Ohio, Texas and others.

Key Figures

3 Month rate, $1,000–$24,999: 4.50% annual interest rate 3 Month rate, $100,000 or more: 5.90% annual interest rate 1 Year rate, $1,000–$24,999: 5.50% annual interest rate +3 more

6 metrics

3 Month rate, $1,000–$24,999 4.50% annual interest rate Renewable Unsecured Subordinated Notes, effective August 26, 2026

3 Month rate, $100,000 or more 5.90% annual interest rate Highest Portfolio Amount tier for 3‑month term

1 Year rate, $1,000–$24,999 5.50% annual interest rate Renewable Unsecured Subordinated Notes, 1‑year term

1 Year rate, $100,000 or more 6.90% annual interest rate Top Portfolio Amount tier for 1‑year term

4 Year rate, $1,000–$24,999 7.00% annual interest rate Renewable Unsecured Subordinated Notes, 4‑year term

4 Year rate, $100,000 or more 8.40% annual interest rate Highest stated rate in the table

Key Terms

Renewable Unsecured Subordinated Notes, prospectus supplement, base prospectus

3 terms

Renewable Unsecured Subordinated Notes financial

"Current Annual Interest Rates for Renewable Unsecured Subordinated Notes Offered"

prospectus supplement regulatory

"interest rate supplement dated August 26, 2026 to the prospectus supplement"

A prospectus supplement is an additional document provided alongside a company's main offering details, offering updated or extra information about a specific financial product being sold. It helps investors understand the latest terms, risks, and details of the investment, similar to how an update or revision clarifies or expands on original instructions, ensuring they have current and complete information before making a decision.

base prospectus regulatory

"adds to the description of the general terms and provisions in the base prospectus"

A base prospectus is a detailed document that provides essential information about a financial offering, such as a bond or share issue. It acts like a comprehensive guide for investors, explaining what the investment involves, the risks involved, and how the process works. This helps investors make informed decisions before committing their money.

Offering Details

shelf

Offering

Offering Type shelf

Securities Offered Renewable Unsecured Subordinated Notes

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What are the new interest rates on CPSS Renewable Unsecured Subordinated Notes effective August 26, 2026?

Effective August 26, 2026, CPSS notes carry annual rates from 4.50% for a 3‑month term at $1,000–$24,999 up to 8.40% for a 4‑year term at $100,000 or more. Rates increase with both longer maturities and larger Portfolio Amount tiers.

How does the Portfolio Amount affect interest rates on CPSS notes?

The filing shows five Portfolio Amount tiers: $1,000–$24,999, $25,000–$49,999, $50,000–$74,999, $75,000–$99,999, and $100,000 or more. For any given note term, the annual interest rate increases as the Portfolio Amount tier rises.

What is the highest interest rate offered on CPSS Renewable Unsecured Subordinated Notes?

The highest stated annual rate is 8.40% for a 4‑year note when the investor’s Portfolio Amount is $100,000 or more. Shorter terms and lower Portfolio Amount tiers carry lower rates according to the table in the supplement.

What is the lowest interest rate available on CPSS notes under this supplement?

The lowest annual rate is 4.50% for a 3‑month Renewable Unsecured Subordinated Note when the Portfolio Amount is between $1,000 and $24,999. Longer terms and higher Portfolio Amount tiers carry higher interest rates.

In which U.S. states are CPSS Renewable Unsecured Subordinated Notes being offered?

The notes are offered in Arkansas, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Vermont, and Wisconsin.

Does this CPSS interest rate supplement override prior prospectus terms?

Yes. The company states that investors should rely on the description of the notes in this interest rate supplement if it is inconsistent with the descriptions in the base prospectus dated November 20, 2023 or the prospectus supplement dated August 26, 2026.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 08/26/2026 - 01:32 PM EDT Accepted by SEC EDGAR 08/26/2026 - 01:31 PM EDT Learn about SEC filing dates

This filing is made pursuant to Rule 424(b)(2) under the Securities Act of 1933 in connection with Registration No. 333-272653

Current Interest Rates

This is an interest rate supplement dated August 26, 2026

to the prospectus supplement dated August 26, 2026

Current Annual Interest Rates for Renewable Unsecured Subordinated Notes

Offered by Consumer Portfolio Services, Inc.

Interest Rates Effective August 26, 2026

NOTE TERM	PORTFOLIO AMOUNT (1)
	$1,000 to $24,999	$25,000 to $49,999	$50,000 to $74,999	$75,000 to $99,999	$100,000 or More
3 Month	4.50%	4.85%	5.20%	5.55%	5.90%
6 Month	4.75%	5.10%	5.45%	5.80%	6.15%
1 Year	5.50%	5.85%	6.20%	6.55%	6.90%
2 Year	6.00%	6.35%	6.70%	7.05%	7.40%
3 Year	6.50%	6.85%	7.20%	7.55%	7.90%
4 Year	7.00%	7.35%	7.70%	8.05%	8.40%

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

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

The description in this interest rate supplement of the terms of these notes adds to the description of the general terms and provisions of the notes in the base prospectus included in the registration statement we filed with the SEC (dated November 20, 2023) file number 333-272653, and the prospectus supplement (dated August 26, 2026). Investors should rely on the description of the notes in this interest rate supplement if it is inconsistent with the description in the prospectus.

CPSnotes.com / InvestorServices@CPSnotes.com / 888-776-1887