CPS
CONSUMER PORTFOLIO SERVICES, INC.
CURRENT INTEREST RATES
This is a supplement to the Prospectus dated May 19, 2005
Current Interest Rates for Renewable Unsecured Subordinated Notes
Offered by Consumer Portfolio Services, Inc.
Interest Rates Effective
May 24, 2005
Portfolio
Amount(1) $1,000-$24,999 $25,000-$49,999 $50,000-$74,999 $75,000-$99,999 $100,000 or More
--------- -------------- --------------- --------------- --------------- ----------------
Interest Annual Interest Annual Interest Annual Interest Annual Interest Annual
NOTE TERM Rate % Yield % Rate % Yield % Rate % Yield % Rate % Yield % Rate % Yield %
--------- ------ ------- ------ ------- ------ ------- ------ ------- ------ -------
3 Month (2) 5.25 5.39 5.35 5.50 5.45 5.60 5.55 5.71 5.65 5.81
6 Month (2) 5.60 5.76 5.70 5.87 5.80 5.97 5.90 6.08 6.00 6.18
1 Year (3) 6.75 6.98 6.85 7.09 6.95 7.20 7.05 7.30 7.15 7.41
2 Year (3) 7.75 8.06 7.85 8.17 7.95 8.27 8.05 8.38 8.15 8.49
3 Year (3) 8.25 8.60 8.35 8.71 8.45 8.82 8.55 8.93 8.65 9.03
4 Year (3) 8.75 9.14 8.85 9.25 8.95 9.36 9.05 9.47 9.15 9.58
5 Year (3) 9.00 9.42 9.10 9.53 9.20 9.64 9.30 9.74 9.40 9.85
10 Year (3) 9.50 9.96 9.60 10.07 9.70 10.18 9.80 10.29 9.90 10.41
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 parents, children, siblings, grandparents and
grandchildren. Members of a sibling's family are also considered immediate family members if the holder's
sibling is also a noteholder.
2) The annual yield calculation assumes that:
a. the term of the note is renewed sequentially for an entire year.
b. the interest earned during each term is included in the principal amount for the next term,
c. the listed interest rate is the interest rate for each term, and
d. the accrued yield calculation assumes that accrued interest is paid annually. More frequent interest
payments will reduce your annual yield.
3) The annual yield calculation assumes that accrued interest is paid annually. More frequent interest payments
will reduce your annual yield.
The description in this prospectus supplement of the terms of these notes adds to the description of the general
terms and provisions of the notes in the prospectus dated May 19, 2005. Investors should rely on the description of
the notes in this supplement if it is inconsistent with the description in the prospectus.