CPSS (CPSS) posts tiered May 14, 2026 rates for unsecured notes

Rhea-AI Filing Summary

Consumer Portfolio Services, Inc. provides an interest rate supplement dated May 14, 2026 for its renewable unsecured subordinated notes. The supplement lists current annual interest rates by note term (3-month to 4-year) and by portfolio amount tiers, with rates ranging from 4.50% to 8.40%. The notes are offered in specified U.S. states and the supplement amends the prospectus supplement of the same date.

Insights

Fixed‑income Analyst

Supplement lists tiered rates for subordinated notes across maturities and investment sizes.

The table shows annual interest rates effective May 14, 2026 for renewable unsecured subordinated notes, across five portfolio-size tiers and six term buckets from 3 Month to 4 Year. This is a pricing schedule, not a change to material covenants.

Investor demand, issuance size, or offering availability in the listed states will determine actual sales; timing and aggregate offering amount are not disclosed in the provided excerpt.

Key Figures

Lowest rate: 4.50% Highest rate: 8.40% 1 Year middle tier: 6.20% +3 more

6 metrics

Lowest rate 4.50% 3 Month, $1,000 to $24,999 tier, <date>May 14, 2026</date>

Highest rate 8.40% 4 Year, $100,000 or More tier, <date>May 14, 2026</date>

1 Year middle tier 6.20% 1 Year, $50,000 to $74,999 tier, <date>May 14, 2026</date>

2 Year top tier 7.40% 2 Year, $100,000 or More tier, <date>May 14, 2026</date>

3 Month top tier 5.90% 3 Month, $100,000 or More tier, <date>May 14, 2026</date>

Offer states listed 30 states States specified in the supplement (list provided), <date>May 14, 2026</date>

Key Terms

Renewable Unsecured Subordinated Notes, Prospectus Supplement, Portfolio Amount Tier

3 terms

Renewable Unsecured Subordinated Notes financial

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

Prospectus Supplement regulatory

"interest rate supplement dated May 14, 2026 to the prospectus supplement dated May 14, 2026"

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.

Portfolio Amount Tier financial

"PORTFOLIO AMOUNT (1) $1,000 to $24,999 | $25,000 to $49,999 ..."

Offering Details

other

Offering

Offering Type other

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 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.

Interest Rates Effective May 14, 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 May 14, 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

FAQ

What interest rates does CPSS (Consumer Portfolio Services) offer on these notes?

The supplement lists annual rates from 4.50% to 8.40% depending on term and portfolio size. The table covers terms from 3-month to 4-year and five portfolio amount tiers effective May 14, 2026.

Which note terms and portfolio tiers are shown in the CPSS supplement?

The schedule shows six terms: 3 Month, 6 Month, 1 Year, 2 Year, 3 Year, 4 Year and five portfolio tiers from $1,000 to $24,999 up to $100,000 or more, with distinct rates for each cell.

In which states are these CPSS notes being offered?

The notes are offered in specific U.S. states including Arkansas, California, Colorado, Connecticut, Florida, Georgia, Hawaii and others listed in the supplement. The excerpt provides a full list of participating states.

Does this supplement replace the prospectus description?

Yes. The supplement states investors should rely on its description if inconsistent with the prospectus. It supplements the base prospectus and the prospectus supplement dated May 14, 2026.

How can investors get more information or purchase these notes?

Contact details are provided: CPSnotes.com, InvestorServices@CPSnotes.com, or phone 888-776-1887 for investor inquiries and subscription instructions referenced in the supplement.