Consumer Portfolio Services offers notes up to 8.4%

Annual rates are set by both note maturity and portfolio amount, with the schedule covering three-month through four-year terms.

Available on EDGAR 11/10/2026 - 04:37 PM EST Accepted by SEC EDGAR 11/10/2026 - 04:37 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

Consumer Portfolio Services, Inc. (CPSS) offers renewable unsecured subordinated notes at annual interest rates effective November 10, 2026, with rates determined by note term and portfolio amount. Across the listed portfolio tiers, rates are 4.50%–5.90% for 3-month notes, 4.75%–6.15% for 6-month notes, 5.50%–6.90% for 1-year notes, 6.00%–7.40% for 2-year notes, 6.50%–7.90% for 3-year notes, and 7.00%–8.40% for 4-year notes.

The notes are offered to investors in specified U.S. states. The rate supplement adds to the note terms in the base prospectus and prospectus supplement; investors are directed to rely on its description if it conflicts with the prospectus.

Key Figures

Annual interest rate, 3-month notes: 4.50%–5.90% Annual interest rate, 6-month notes: 4.75%–6.15% Annual interest rate, 1-year notes: 5.50%–6.90% +3 more

6 metrics

Annual interest rate, 3-month notes 4.50%–5.90% Across listed portfolio-amount tiers; effective November 10, 2026

Annual interest rate, 6-month notes 4.75%–6.15% Across listed portfolio-amount tiers; effective November 10, 2026

Annual interest rate, 1-year notes 5.50%–6.90% Across listed portfolio-amount tiers; effective November 10, 2026

Annual interest rate, 2-year notes 6.00%–7.40% Across listed portfolio-amount tiers; effective November 10, 2026

Annual interest rate, 3-year notes 6.50%–7.90% Across listed portfolio-amount tiers; effective November 10, 2026

Annual interest rate, 4-year notes 7.00%–8.40% Across listed portfolio-amount tiers; effective November 10, 2026

Key Terms

Renewable Unsecured Subordinated Notes, Portfolio Amount, interest rate supplement, base prospectus

4 terms

Renewable Unsecured Subordinated Notes financial

"Current Annual Interest Rates for Renewable Unsecured Subordinated Notes"

Portfolio Amount financial

"PORTFOLIO AMOUNT"

interest rate supplement financial

"This is an interest rate supplement dated November 10, 2026"

base prospectus financial

"the base prospectus included in the registration statement"

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

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What are CPSS’s annual note rates?

Effective November 10, 2026, annual rates range from 4.50% to 5.90% for 3-month notes; 4.75% to 6.15% for 6-month notes; 5.50% to 6.90% for 1-year notes; 6.00% to 7.40% for 2-year notes; 6.50% to 7.90% for 3-year notes; and 7.00% to 8.40% for 4-year notes, across the listed portfolio-amount tiers.

In which states are CPSS notes offered?

CPSS says it offers the notes to investors 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.

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

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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 10, 2026

to the prospectus supplement dated November 10, 2026

Current Annual Interest Rates for Renewable Unsecured Subordinated Notes

Offered by Consumer Portfolio Services, Inc.

Interest Rates Effective November 10, 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 November 10, 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