Company: CPSS
Filing Date: 2025-05-23
Form Type: 424B2
Source: 0001683168-25-003971
Chunk: 8

Company: CONSUMER PORTFOLIO SERVICES, INC.
Filing Date: 2025-05-23
Form: 424B2
Chunk 8
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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://ir.consumerportfolio.com/investor-relations.

This prospectus does not contain all of the information
set forth in the registration statement because parts of the registration statement are omitted in accordance with the rules and regulations
of the SEC. The registration statement is available for inspection and copying as set forth above.

<div align='center'>SUMMARY OF RISK FACTORS</div>

The following summary is a concise description of certain of the material risk factors that you should consider in making your decision to purchase any notes. This summary does not purport to summarize all of the risks that you should consider in making your decision to purchase any notes. You should carefully read the risks factors set forth under “ Risk Factors,” as well as the other information contained in this prospectus.

Risk Factors Relating to the Notes

| · | Because of their characteristics, the notes may not be a suitable investment                                                              
 for you;                                                                                                                                  |
| · | Because the notes rank junior to substantially all of our existing and future debt and other financial obligations, your notes will lack  
 priority in payment;                                                                                                                      |
| · | Because there will be no trading market for the notes and because transfers of the notes require our consent, it may be difficult to sell 
 your notes;                                                                                                                               |
| · | Because the notes will have no sinking fund, collateral security, insurance or guarantee, you may lose all or a part of your investment   
 in the notes if we do not have enough cash to pay the notes;                                                                              |
| · | The notes will automatically renew unless you request repayment;                                                                          |
| · | Because we have substantial indebtedness that is senior to the notes, our ability to pay the notes may be impaired;                       |
| · | Our management has broad discretion over the use of proceeds from the offering;                                                           |
| · | Because we are subject to many restrictions in our existing credit facilities, our ability to pay the notes may be impaired;              |
| · | Because there are limited restrictions on our activities under the indenture, you will have only limited