Consumer Portfolio Services Interview Guide

Consumer Portfolio Services is an independent specialty finance company based in Irvine, California, that excels in providing indirect automobile financing to individuals facing credit challenges, low incomes, or limited credit histories. The company primarily engages in purchasing retail installment sales contracts from franchised automobile dealerships, with a focus on late model used vehicles while also accommodating some new vehicle financing. By financing these contracts long-term through the securitization markets, Consumer Portfolio Services effectively manages the servicing of these contracts throughout their lifecycle. In addition to its headquarters, the company has established four strategically located servicing branches in Nevada, Virginia, Florida, and Illinois, positioning itself to serve a diverse customer base with tailored financing solutions.