消费者投资组合服务股份有限公司美股招股说明书（2025-11-24版）

This is an interest rate supplement dated November 24, 2025to the prospectus supplement dated November 24, 2025 Current Annual Interest Rates for Renewable Unsecured Subordinated NotesOffered by Consumer Portfolio Services, Inc. 1.We determine the applicable portfolio amount at the time you purchase or renew a note by aggregating the principal amountof all notes issued by Consumer Portfolio Services, Inc. that are currently owned by you and your immediate familymembers. Immediate family members include your parents, children, siblings, grandparents and grandchildren. Members of a We are offering these notes to investors in the following states of the United States of America: Arkansas, California, Colorado,Connecticut, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Michigan, Minnesota, Mississippi,Missouri, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas,Vermont, and Wisconsin. The description in this interest rate supplement of the terms of these notes adds to the description of the general terms and provisionsof the notes in the base prospectus included in the registration statement we filed with the SEC (dated November 20, 2023) filenumber 333-272653, and the prospectus supplement (dated November 24, 2025). Investors should rely on the description of the notes CPSnotes.com / InvestorServices@CPSnotes.com / 888-776-1887