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INCORPORATION OF CERTAIN INFORMATION BY REFERENCE

The SEC allows us to “incorporate by reference” the information we file with it, which means that we can disclose important information to you by referring you to those documents. The information incorporated by reference into this prospectus is an important part of this prospectus. Specifically, we are incorporating by reference the docu- ments listed below:

  • Our Annual Report on Form 10-K for the year ended December 31, 2009, including an amend- ment thereto filed April 30, 2010;

  • Our Quarterly Reports on Form 10-Q for the quarters ended March 31, June 30, 2010 and Sep- tember 30, 2010;

  • Our Current Reports on Form 8-K filed with the SEC on April 1, April 7, June 3, June 16, Au- gust 30, September 7 and October 1, 2010; and

  • Our definitive proxy statement filed August 2, 2010.

You should rely only on the information we include or incorporate by reference in this prospectus and any appli- cable prospectus supplement. We have not authorized anyone to provide you with information different from that contained or incorporated by reference in this prospectus. The information contained in this prospectus and any applicable prospectus supplement is accurate only as of the date on the front of those documents, regardless of the time of delivery of this prospectus or the applicable prospectus supplement or of any sale of our securities.

Any statement contained in this prospectus or in a document incorporated by reference in this prospectus is deemed to be modified or superseded for purposes of this prospectus to the extent that any of the following mod- ifies or supersedes a statement in this prospectus or incorporated by reference in this prospectus:

  • in the case of a statement in a previously filed document incorporated by reference in this pros- pectus, a statement contained in this prospectus;

  • a statement contained in any accompanying prospectus supplement relating to our offering of the notes; or

  • a statement contained in any other subsequently filed document that is also incorporated by ref- erence in this prospectus.

Any modified or superseded statement will not be deemed to constitute a part of this prospectus or any accompa- nying prospectus supplement, except as modified or superseded. Except as provided by the above mentioned ex- ceptions, all information appearing in this prospectus and each accompanying prospectus supplement is qualified in its entirety by the information appearing in the documents incorporated by reference.

We will provide without charge to each person to whom a copy of this prospectus is delivered, including any bene- ficial owner, upon his or her written or oral request, a copy of any or all of the documents incorporated in this prospectus by reference, other than exhibits to the documents, unless the exhibits are incorporated specifically by reference in the documents. We will provide those documents, including any exhibits that are incorporated by reference into those documents, without cost to the requester. Requests for copies should be directed to:

Consumer Portfolio Services, Inc. 19500 Jamboree Road Irvine, California 92612 Attention: Corporate Secretary (949) 753-6800 notesinfo@consumerportfolio.com

You may also obtain copies of any of such reports at our website, free of charge, at http://www.consumerportfolio.com/investorinfo.htm.

WHERE YOU CAN FIND MORE INFORMATION

We file annual, quarterly and special reports, proxy statements and other information with the SEC. You may read and copy any document we file at the SEC’s Public Reference Room at 100 F Street NE, Washington, DC 20549. Please call the SEC at 1-800-SEC-0330 for further information on the operation of the Public Reference Room. Our SEC filings are also available to the public at the SEC’s web site at http://www.sec.gov, and at our website at http://www.consumerportfolio.com/investorinfo.htm.

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