This filing is made pursuant to Rule 424(b)(2)
under the Securities Act of 1933 in connection
with Registration No. 333-121913
[LOGO] CPS
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
FEBRUARY 13, 2006 THROUGH MARCH 31, 2006
---------------------------------------------------------------------------------------------------------
PORTFOLIO
AMOUNT (1) $1,000 - $2,499 $2,500 - $4,999 $5,000 - $9,999 $10,000 - $24,999
---------------------------------------------------------------------------------------------------------
Interest Annual Interest Annual Interest Annual Interest Annual
NOTE TERM Rate % Yield % Rate % Yield % Rate % Yield % Rate % Yield %
---------------------------------------------------------------------------------------------------------
3 MONTH (2) 5.75 5.92 5.75 5.92 5.85 6.02 5.95 6.13
---------------------------------------------------------------------------------------------------------
6 MONTH (2) 6.10 6.29 6.10 6.29 6.20 6.40 6.30 6.50
---------------------------------------------------------------------------------------------------------
1 YEAR (3) 6.75 6.98 7.00 7.25 7.10 7.36 7.20 7.46
---------------------------------------------------------------------------------------------------------
2 YEAR (3) 7.75 8.06 8.25 8.60 8.40 8.76 8.55 8.93
---------------------------------------------------------------------------------------------------------
3 YEAR (3) 8.25 8.60 9.00 9.42 9.20 9.64 9.40 9.85
---------------------------------------------------------------------------------------------------------
4 YEAR (3) 8.75 9.14 9.75 10.24 10.00 10.52 10.25 10.79
---------------------------------------------------------------------------------------------------------
5 YEAR (3) 9.00 9.42 10.25 10.79 10.55 11.12 10.85 11.46
---------------------------------------------------------------------------------------------------------
10 YEAR (3) 9.50 9.96 9.50 9.96 9.60 10.07 9.70 10.18
---------------------------------------------------------------------------------------------------------
---------------------------------------------------------------------------------------------------------
PORTFOLIO
AMOUNT (1) $25,000 - $49,999 $50,000 - $74,999 $75,000 - $99,999 $100,000 OR MORE
---------------------------------------------------------------------------------------------------------
Interest Annual Interest Annual Interest Annual Interest Annual
NOTE TERM Rate % Yield % Rate % Yield % Rate % Yield % Rate % Yield %
---------------------------------------------------------------------------------------------------------
3 MONTH (2) 6.05 6.24 6.15 6.34 6.25 6.45 6.35 6.56
---------------------------------------------------------------------------------------------------------
6 MONTH (2) 6.40 6.61 6.50 6.72 6.60 6.82 6.70 6.93
---------------------------------------------------------------------------------------------------------
1 YEAR (3) 7.30 7.57 7.40 7.68 7.50 7.79 7.60 7.90
---------------------------------------------------------------------------------------------------------
2 YEAR (3) 8.65 9.03 8.75 9.14 8.85 9.25 8.95 9.36
---------------------------------------------------------------------------------------------------------
3 YEAR (3) 9.50 9.96 9.60 10.07 9.70 10.18 9.80 10.29
---------------------------------------------------------------------------------------------------------
4 YEAR (3) 10.35 10.90 10.45 11.01 10.55 11.12 10.65 11.24
---------------------------------------------------------------------------------------------------------
5 YEAR (3) 10.95 11.57 11.05 11.68 11.15 11.79 11.25 11.91
---------------------------------------------------------------------------------------------------------
10 YEAR (3) 9.80 10.29 9.90 10.41 10.00 10.52 10.10 10.63
---------------------------------------------------------------------------------------------------------
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 MARCH 31, 2006 ARE SUBJECT TO CHANGE.