This filing is made pursuant to
Rule 424(b)(2) under the Securities
Act of 1933 in connection with
Registration No. 333-121913
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
SEPTEMBER 24, 2005 - NOVEMBER 11, 2005
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PORTFOLIO
AMOUNT (1) $1,000 - $2,999 $3,000 - $24,999 $25,000 - $49,999 $50,000 - $74,999 $75,000 - $99,999 $100,000 OR MORE
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Interest Annual Interest Annual Interest Annual Interest Annual Interest Annual Interest Annual
NOTE TERM RATE % Yield % RATE % Yield % RATE % Yield % RATE % Yield % RATE % Yield % RATE % Yield %
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3 MONTH (2) 5.75 5.92 5.75 5.92 5.85 6.02 5.95 6.13 6.05 6.24 6.15 6.34
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6 MONTH (2) 6.10 6.29 6.10 6.29 6.20 6.40 6.30 6.50 6.40 6.61 6.50 6.72
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1 YEAR (3) 6.75 6.98 7.25 7.52 7.35 7.63 7.45 7.73 7.55 7.84 7.65 7.95
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2 YEAR (3) 7.75 8.06 8.75 9.14 8.85 9.25 8.95 9.36 9.05 9.47 9.15 9.58
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3 YEAR (3) 8.25 8.60 9.75 10.24 9.85 10.35 9.95 10.46 10.05 10.57 10.15 10.68
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4 YEAR (3) 8.75 9.14 8.75 9.14 8.85 9.25 8.95 9.36 9.05 9.47 9.15 9.58
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5 YEAR (3) 9.00 9.42 9.00 9.42 9.10 9.53 9.20 9.64 9.30 9.74 9.40 9.85
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10 YEAR (3) 9.50 9.96 9.50 9.96 9.60 10.07 9.70 10.18 9.80 10.29 9.90 10.41
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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 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.
INTEREST RATES FOR NOTES PURCHASED OR RENEWED AFTER NOVEMBER 11, 2005 ARE
SUBJECT TO CHANGE.