Consumer Portfolio Services posts new rates on CPSnotes offering

Rhea-AI Filing Summary

Consumer Portfolio Services, Inc. (CPSS) has updated the annual interest rates on its renewable unsecured subordinated notes effective November 24, 2025. Rates vary by note term from 3 months to 4 years and by portfolio amount, with higher investment tiers receiving higher yields.

The notes are currently offered to investors in selected U.S. states, including large markets such as California, Florida, New York, Texas, and others listed in the document. This interest rate supplement is intended to be used together with, and to the extent of any inconsistency supersedes, the descriptions of these notes in the base prospectus and accompanying prospectus supplement.

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 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, Inc.

Interest Rates Effective November 24, 2025

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 November 24, 2025). 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

FAQ

What is CPSS offering in this 424B2 interest rate supplement?

Consumer Portfolio Services, Inc. is updating the current annual interest rates for its renewable unsecured subordinated notes, specifying different rates by term and portfolio amount.

What are the note terms and rate structure for CPSS renewable notes?

The notes have terms of 3 months, 6 months, 1 year, 2 years, 3 years, and 4 years, with interest rates increasing as portfolio amounts rise across tiers from $1,000 up to $100,000 or more.

When do the new CPSS note interest rates become effective?

The updated interest rates for the renewable unsecured subordinated notes are effective November 24, 2025 as stated in the interest rate supplement.

In which U.S. states are CPSS notes currently 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.

How does this CPSS interest rate supplement relate to the base prospectus?

This supplement adds to the base prospectus and prospectus supplement for the notes, and investors are told to rely on this interest rate supplement if it is inconsistent with those prior descriptions.

What kind of securities are these CPSS notes?

They are renewable unsecured subordinated notes, meaning they are not secured by specific collateral and are subordinated to certain other obligations of Consumer Portfolio Services, Inc.

Where can investors get more information about CPSS notes?

Investors can obtain more information through CPSnotes.com, by emailing InvestorServices@CPSnotes.com, or by calling 888-776-1887.