This filing is made pursuant to Rule 424(b)(2)
under the Securities Act of 1933 in connection
with Registration No. 333-121913.
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Current Interest Rates
This is a supplement to the Prospectus dated April 27, 2006
CURRENT INTEREST RATES FOR RENEWABLE UNSECURED SUBORDINATED NOTES
OFFERED BY CONSUMER PORTFOLIO SERVICES, INC.
INTEREST RATES EFFECTIVE
JANUARY 1, 2008 THROUGH FEBRUARY 15, 2008
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PORTFOLIO
AMOUNT (1) $1,000 - $24,999 $25,000 - $37,499 $37,500 - $49,999 $50,000 - $74,999 $75,000 - $99,999 $100,000 OR MORE
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Interest Annual Interest Annual Interest Annual Interest Annual Interest Annual Interest Annual
NOTE TERM Rate % Yield % Rate % Yield % Rate % Yield % Rate % Yield % Rate % Yield % Rate % Yield %
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3 MONTH (2) 5.95 6.13 6.20 6.40 6.20 6.40 6.45 6.66 6.70 6.93 6.95 7.20
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6 MONTH (2) 6.80 7.04 7.05 7.30 7.05 7.30 7.30 7.57 7.55 7.84 7.80 8.11
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1 YEAR (3) 8.55 8.93 8.80 9.20 10.40 10.96 10.65 11.24 10.90 11.51 11.15 11.79
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2 YEAR (3) 9.70 10.18 9.95 10.46 12.20 12.97 12.45 13.26 12.70 13.54 12.95 13.82
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3 YEAR (3) 10.15 10.68 10.40 10.96 12.80 13.65 13.05 13.94 13.30 14.22 13.55 14.51
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4 YEAR (3) 10.60 11.18 10.85 11.46 13.65 14.62 13.90 14.91 14.15 15.20 14.40 15.49
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5 YEAR (3) 11.00 11.63 11.25 11.91 14.45 15.54 14.70 15.83 14.95 16.12 15.20 16.41
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10 YEAR (3) 11.40 12.07 11.65 12.35 11.65 12.35 11.90 12.63 12.15 12.92 12.40 13.20
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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 and your immediate family members.
Immediate family members include parents, children, siblings,
grandparents and grandchildren. Members of a sibling's family are
also considered immediate family members if the holder's sibling
is also a noteholder.
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 payments will reduce your annual
yield.
The description in this prospectus supplement of the terms of these
notes adds to the description of the general terms and provisions of
the notes in the prospectus dated April 27, 2006. Investors should
rely on the description of the notes in this supplement if it is
inconsistent with the description in the prospectus.
INTEREST RATES FOR NOTES PURCHASED OR RENEWED AFTER FEBRUARY 15, 2008
ARE SUBJECT TO CHANGE.