Company: CPSS
Filing Date: 2025-06-30
Form Type: 11-K
Source: 0001683168-25-004829
Chunk: 0

Company: CONSUMER PORTFOLIO SERVICES, INC.
Filing Date: 2025-06-30
Form: 11-K
Chunk 0
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<div align='center'>==========================================================================

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

--------------------

FORM 11-K

(Mark One)

☒ Annual Report pursuant to Section 15(d)
of the Securities Exchange of 1934

For the fiscal year ended December 31, 2024

OR

☐ Transition Report
pursuant to Section 15(d) of the Securities Exchange Act of 1934

[No Fee Required]

For the transition period from ______ to_______

Commission File Number 1-11416

A. Full title of the plan and the address of the
plan, if different

from that of the issuer named below:

Consumer Portfolio Services, Inc. 401(k) Plan

B. Name of issuer of the securities held pursuant
to the plan and the

address of its principal executive office:

Consumer Portfolio Services, Inc.

3800 Howard Hughes Parkway Suite 1400

Las Vegas, NV 89169

=========================================================================</div>

<div align='center'>REQUIRED INFORMATION</div>

I. Financial Statements.

Financial statements and supplemental schedules
prepared in accordance with the financial reporting requirements of the Employee Retirement Income Security Act of 1974, together with
the report of independent registered public accounting firm thereon, are filed herewith.

II. Exhibits:

Consent of Independent Registered Public Accounting
Firm is filed herewith as Exhibit 23.1.

<div align='center'>SIGNATURES</div>

Pursuant to the requirements of the Securities Exchange Act of 1934,
the trustees (or other persons who administer the Plan) have duly caused this annual report to be signed on its behalf by the undersigned,
hereunto duly authorized.

Consumer Portfolio Services, Inc. 401(k) Plan

Denesh Bharwani

Member, Benefits Committee

| i |

<div align='center'>CONSUMER PORTFOLIO
SERVICES, INC. 401(K) PLAN

Financial Statements and Supplemental Schedules

As of and for the Years Ended December 31,
2024, and 2023

(with Report of Independent Registered Public Accounting
Firm Thereon)</div>

| ii |

<div align='center'>CONSUMER PORTFOLIO
SERVICES, INC. 401(K) PLAN

Index to Financial Statements and Supplemental
Schedules</div>

|                                                         | Page |
| Report of Independent Registered Public Accounting Firm |    1 |

| Notes to Financial Statements | 5