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Three and Six Month Renewable Unsecured Subordinated Notes One, Two, Three, Four, Five and Ten Year ... - page 2 / 40

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3 Month (2)

6.85

7.09

7.20

7.46

7.55

7.84

7.90

8.22

8.15

8.49

6 Month (2)

7.60

7.90

7.95

8.27

8.30

8.65

8.65

9.03

8.90

9.31

1 Year (3)

9.85

10.35

11.70

12.41

12.10

12.86

12.55

13.37

13.05

13.94

2 Year (3)

11.10

11.74

12.55

13.37

13.00

13.88

13.55

14.51

14.00

15.02

3 Year (3)

11.65

12.35

13.30

14.22

13.75

14.74

14.30

15.37

14.90

16.06

4 Year (3)

11.80

12.52

13.80

14.79

14.25

15.31

14.80

15.95

15.25

16.47

5 Year (3)

12.00

12.75

12.35

13.14

12.80

13.65

13.35

14.28

13.80

14.79

10 Year (3)

12.20

12.97

12.55

13.37

13.00

13.88

13.55

14.51

14.00

15.02

  • 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.

  • 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 pay- ments will reduce your annual yield. TABLE OF CONTENTS

We will issue the notes in book-entry or uncertificated form. Subject to certain limited exceptions, you will not re- ceive a certificated security or a negotiable instrument that evidences your notes. We will deliver written confirma- tions to purchasers of the notes. Wells Fargo Bank, National Association, Minneapolis, Minnesota, will act as trustee for the notes.

NOTE TERM Rate % Yield % Rate % Yield %

Rate %

Yield %

Rate % Yield %

Rate % Yield %

PORTFOLIO AMOUNT (1)

Interest Rates Effective August 15, 2011

$1,000 - $24,999 Interest Annual

$75,000 - $99,999

Interest

Annual

$100,000 or More

Interest

Annual

$25,000 - $49,999 Interest Annual

$50,000 - $74,999

Interest

Annual

RECENT DEVELOPMENTS

19

FORWARD-LOOKING STATEMENTS

22

RATIOS OF EARNINGS TO FIXED CHARGES

23

USE OF PROCEEDS

23

CAPITALIZATION

24

DESCRIPTION OF NOTES

25

MATERIAL FEDERAL INCOME TAX

35

Caption

PROSPECTUS SUMMARY

CPS The Offering INCORPORATION OF CERTAIN INFORMATION

BY REFERENCE WHERE YOU CAN FIND MORE INFORMATION RISK FACTORS

Risk Relating to the Notes Risk Relating to Our Business Risk Relating to General Factors

Page

1 1 2 5

5 6 6 10 18

CONSEQUENCES PLAN OF DISTRIBUTION LEGAL MATTERS EXPERTS GLOSSARY

36 37 37 37

i

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