Each call begins with CPS intro telling you that youre calling a debt collector which is very unprofessional for a financial lender. Ive never been introduced with such a negative welcome by any finance companies in over 30 yeara of doing business with banks and other lenders. So after asking about a restructuring of my payment to get a lower rate, I was told by a female 4 months into the deal to call back after 6 months and they may restructure my payment to lower it. I called back today, the voice intro again said thanks for calling and I need to know CPS is a debt collector, not a positive message at all for customers to hear! The female I spoke to today said I was misinformed and dont call back again asking for a better rate. I suggest you try your best to not use CPS as a lender because they want to be a "Debt Collector" and not a financial lender!! read more

Can I leave a negative Star rating? I co-signed on a loan with my son last year on his 18th birthday. He killed himself in the car in January this year. He shot himself in the head. They repossessed the car after I refused to drive it or pay for it any longer. They sold it and I still owe 20,000$. I will never pay that. I will file bankruptcy before they see a single dime. This is after squeezing every single penny in late fees due to their poor systems returning my sons payments over and over. Poorest customer service ever. read more

horrible company, don't waste your time. Rude customer service. Got an auto loan through the dealership, dealership had to refi, through another company. found cheaper payments and better customer service. if some one rights a good review about this company, they probably work there. avoid these ridiculous people. read more

This company is the worst for car loans. They are extremely aggressive. They claim to have called you, but you know they haven't. When they do call, they ask for your name without verifying their identity. Additionally, when you set a time limit for when they can call, they say they have an hour to contact the customer. I can't always be available to answer the phone at any given moment. They are incredibly rude and interrupt you when you try to speak. I am not satisfied with this company. Then, they call my partner, and he informed them that they call on different numbers when they do. This is my second time dealing with a car loan. I wish they were more compassionate and understanding. Oh, and I forgot they have a "help me" option. They don't realize that I have a life and that I can't drop everything. The value isn't there. They harass me and my partner. They're not fair; they push so hard that I've had enough. read more

In March 2025 I purchased a new 2025 Kia Sorento hybrid and that was it. I put $30,000 down on the car and financed the $15,000 balance. I've never even heard of these yoyo's till I get a letter from them in the mail stating they were denying me credit on May 22, 2025. Over two months after I purchased the car. Their denial letter to me states that my credit score is 857 which is about right since I've always had outstanding credit. My gripe with these sorry asses is that I have called them six different times in the last two weeks to inquire why they denied me credit with a credit score of 857. I'm really ticked because all six calls I placed with them I left my name and phone number requesting that they please call me back since a human being never answers the phone. Of course, no one from Consumer Portfolio Services, Inc. has ever called me back. They can send me a negative letter but are NOT HELD ACCOUNTABLE. I'd give them a big, fat sloppy letter grade of F or a 0 out of 10. read more

Horrible service Okay so I bought this car last year August 2024. The reason why I bought this car is because I was in an accident in May 2024 and my current car was total so of course you need to get a new vehicle to get around so I was looking for a car. I went to the best dealership they had and they were highly speaking of consumer portfolio. Let me tell you if I can give you this company a zero star. I definitely 100% would the customer service is horrible the customer service managers are horrible besides one manager, which was helpful. The other reps were unhelpful no in documents when you call when you call in there oh, I don't know what you're talking about especially when it goes to important facts about your account when I bought this car two months and I was having issues so I had to return my car to get it fixed. Let me tell you spending 3000+ and then having to pay for a rental is not fun when you just bought a brand new car I think it's very ridiculous. When I spoke to the manager she understood my situation and helped me with the extension which I appreciate, and I did explain hey like I'm still paying for a car repair and I was paying for a car rental because I did not have a vehicle because my current new vehicle that was less than a year old is getting fixed dealership didn't want to hear it cause I wasn't their problem consume his portfolios. Didn't want to hear it because they gave me money doesn't matter. I'm like look I'm paying for a rental. I don't have a car. I'm also paying for the car repair for car that's not even a year a year old. I was like you guys have to work with me on something. I'm still paying for this car repair. My car repair was $6000. Not even gonna fucking lie piss off no help whatsoever. I told him I'm like I have to pay for this car repair. I'm gonna be behind the payments when I called in. I was like nothing was documented. Nothing was written down every time I call him to consumer portfolio. They act like they have no idea what you're talking about because a customer reps do not notate your files. They are also extremely rude. They call you 15 times throughout the day even when you're like I'm at work you need to call me after a certain time. even when you say or speak to something it's not documented I can't tell you the endless times that my account was not documented properly by customers on representatives and managers that I have email proof for do yourself a favor stay away from this company, they do not want to help you even if you tell them hey I'm still paying for something. They do not freaking care whatsoever. I get it they have a job to do. It's a difference between calling somebody 15 times a day and I do have proof I can screenshot it besides a couple times a day and if you don't give them an answer, they threaten you, which is also unacceptable with the call today, got a call at 8 AM eight hours later talking about they can't take that payment. Oh well you should've told me that at 8 o'clock that's your problem. That's not my problem. Sounds like you don't know how to do your job. The rep was also was very rude. Even when I spoke to the manager, she was very nasty if that's how you handle a customers that's poor piss poor Service I could tell you that firsthand customer should be treating nicer than here and this company ain't it. BUYER BEWARE HORRIBLE COMPANY RUN DONT WALK RUNN. read more

This company will approve people with not so good credit and will treat you just like you had not so good credit. Please don't be a day late or the calls won't stop. Customer Service are trained to talk to you like you are nothing,everyone here does. If I knew this company would be the way they are I would have just kept my last car and company. I wouldn't recommend this bottom company to my dog. read more

This company is a joke horrible customer service skills talk to you very disrespectfully will not ever do business again with these people harassing emails and calls people y'all need to look for another company before settling with these crooks called to pay off car early told me there for 1000$! Not even mention on my current bill they say it's fees they they talked to me like I was 5 so hung up on them of course will be reporting this behavior to BBB today read more

Rude and scammy, seriously avoid. Unprofessional people. Received the worst most low vibration call ever from one of their minions with an awful southern drawl What a crappy job. read more

terrible company they take advantage of young people & give them an unbelievable interest rate. I Swear If I could back in time & not sign that contract I would. read more

What you gonna do? Got credit fucked up while serving you no veterans, that's where I'm at. So at this point in my life and time ,Let the good times roll! read more

Predatory. They DO NOT CARE ABOUT YOU.. They only CARE ABOUT YOUR MONEY and how much more of it they can get. My car was totaled in mid July.. I let this greedy company know back then yet its October and they keep expecting a payment from me for a car that is sitting in a lot where my Insurance put it. Its now almost 3 months later and my credit is down 90 points because they're too damn lazy to do some actual work to find out. I'm surprised they even managed to get a whole star on here with how crappy of a company it is. I cannot wait til this check is cut to them so they can F*** off. read more

This company is one of the worst company ever we got behind because of sickness in the family no matter how many times we call we couldn't get in touch with no one. So when we do make a payment to catch up they still come and repo our car ..... please stay away from this company they will rob you blind!!!!! Someone need to close the doors on this. And if they say their going to help you don't believe them. read more

My car got towed due to natural disasters this year in May. Didn't even have my car for a month, never missed a payment. On one of my payments I was 4-5 days behind due to me having a busy work life, plus I am a full-time college student and worker. I was told that I have 15 days before or after to pay my car note still which I had an agreement to pay a certain amount because I have to try to get another car and it's hard paying for 2 cars at once. I woke up with a notification from Credit Karma saying my credit score went down over 226 Points for being 5 days late. They are very disrespectful over the phone and they DO NOT answer when needed!! I will never recommend this company to anyone. read more

TERRIBLE, DISHONEST, MONEY HUNGRY, SELFISH, DISGUSTING company.. And crappy staff that fits too. They pretend to be understanding but don't care about you or what they do to your life and credit, just their money. I don't know how these people sleep at night knowing they're making things harder on people already suffering. Knowing my car was totaled in an accident that I could've died in.. They still made my payment late. Knowing my insurance was going to cover it.. They still marked my payment late. After insurance paid $16,000.00.. Just days later they decided to report my non payment. And even after knowing that my GAP insurance was going to cover the difference.. They still f*cked my credit by reporting my monthly payment not paid.. Its like they're doing it on purpose to screw me.. read more

All I can is BARF. Horrible interest which borders being flatout illegal. In my opinion there needs to be federal legislation against this kind of scheming poppycock. I used them in 2016 (when I was young and stupid) for a van, we are still paying on it 8 years later. I have an IRA rollover which fortunately will put an extra wad of money in pocket to make them go away forever. I can't wait to kindly extend a middle finger in the air, get rid of the vehicle and move on. Has been the worst financing experience I've ever seen. read more

Stay away from this company i tried to pay my husband's car loan ahead of time they did not allow it because they wanted all the interests they could pocket . Spoke to many employees all acted like they had never heard of such a thing . As a early payoffs.Scam fraudulent company stay away . read more

i do not recommend them to anyone i purchased a car a signed the paper wprk and havw to return because the would accept my work verification worze place to finance through read more

My wife bought a dodge ram pick up truck without telling me, The dealership sold it to her for $4000 more than the bluebook value and it was financed through consumer portfolio services. It is a racket. CPS and the dealership were working together to take advantage of my wife in a predatory lending scheme. My wife made one late payment, and the late fee is $171, Which is ridiculous and predatory. This is a bad company, do not do business with them read more

I hate this loan company. I was given this loan from the dealership because my other payoff was not yet recorded and I wanted a low car payment knowing I would refinance as soon as possible which I did after 4 months. They are terrible to work with, paid on time and still would get texts and calls. I asked them as soon as the one month of it being paid off to please report to the credit bureau. Nothing. Finally they sent me a payoff letter and I emailed it to the credit companies. The customer service was the worst. Never would I recommend them at all. read more

DONT SIGN YOUR AUTO LOAN TO THESE PEOPLE ! They will HARASS THE F*** out of you and people not assigned to your loan ! You can be making on time payments and as soon as you miss one that's when they start . Do you have any decency? read more

I have been in a loan with this company for a year. six months in I received a notification that I had missed a payment. I was very confused because my account has been set up on auto pay and have never had an issue previously, and there were no financial constraints that would have caused a missed payment. The representative on the phone said they were willing to work with me and that they would investigate to figure it out but one month later I was still getting overly harassed by daily calls on the "missing payment." to prevent from having any late payments reported to my credit and the headaches of calls from continuing, I made the payment and believed that they would open an investigation to determine what happened. After four months, I hadn't heard anything back and couldn't get on the same page with any representative as your representative changes every single month. I ended up looking through my bank statements and not only sending them a statement with the payment and my receipt for payment for them to continuously say that they have not received information from me and that the payment made was from the month previous, although I have the same receipt to furnish for the previous month. I have been charged a total of $1,062 in late fees and I can't get anyone with a single brain cell to assist me. read more

Excellent company, amazing customer service they answer every time I call. Lowered my interest rate and got me the car of my dreams with no money down!! Couldn't ask for a better car buying experience! Thank you Jenny, Nathan and Taylor! read more

Consumer Portfolio Services - Auto Loan Providers Near Me - Irvine, California

***PREDITORY LENDER!!!*** I don't work at CPS so I will be posting real actual experience with Consumer Portfolio Services! My loan was help by Consumer Portfolio Services for 5 years and 3 months. In that time 0$ (ZERO dollars) went to the principal! I owe as much today as the day I pulled it off the lot!!! Please, for the sake of your children and everyone that counts on you financially do NOT do any business with these people! I'm lucky, someone hit it and it was paid off in full. OH... and they reported to the credit burrow that it was repossessed!!! Understand that companies that have low moral standing have employees use their personal email accounts to boost their rating. read more

I bought a car financed through consumer Portfolio services my interest rate was 21.95% which is high but I did it my finance amount was $9554 and the money amount the wrote down for interest was $5600.02 for 54 payments so far I've paid $8635.09 and they are trying to 5544.45 meaning the extra interest I paid should have paid the car off. My 54 payments I've finished them also so now they say they will audit my account DON'T USE THEM THEY ARE THE WORST KIND OF CRIMINALS read more

After reading many negative reviews online, it is apparent that this company is an epic fail to its customers. They lie, cheat and steal money. Please before ever considering this coming look at their reviews. We have been a victim of these very things people talk about and it's an ongoing battle. They are better companies out their that will help you get the loan you need that are more reputable and don't trick their customers. Stay far away from this company. They haven't been any help in resolving our issues. We cannot get any accurate answers and everyone has something different to say. Bottom line stay far away. read more

Sent many deals there. They give me solid approvals. A little rigid sometimes but every lender has their guidelines. Never gonna be perfect. Overall I'm really happy to do business with CPS. read more

Worst customer service. I am now bearly getting charges for my 2018/19 late fees. Almostb2 years later and they just say it's my fault. Just horrible overall. Can't wait to be done with them. read more

These people lie to me for three months straight they sent my title supposedly to the wrong address which I updated with them. After I pay the account to get my title spoke with someone again who said that they were going to send me paperwork since they can't send me the title information because it's legal paperwork although was their mistake. I spoke to Maria at extension 10027 who guaranteed I was going to get my information regarding my title in the mail they failed to do so. LIARS... I WILL BE REPORTING THEM TO THEIR ATTORNEY GENERAL'S OFFICE, THIS IS IN BREACH OF THE FAIR CREDIT REPORTING ACT read more

Consumer Portfolio Services buys and sells auto loans. Formed in 1991, the company finances vehicles for subprime borrowers but I know the person who put me down as a reference got financing through the auto company because they had good credit. A majority of their common stock is owned by Citigroup, Levine Leichtman Capital, and Millenco LLC. CPS purchases contracts from both new car and independent used car dealers in 45 states then bundles and sells the financing contracts that it acquires. Company shares are valued between $2.50-7.18. For car dealers they are an alternative source of financing customers. In recent years, the bulk of the contracts CPS acquires finance used vehicles. Its president, Charles E. Bradley Jr. is paid a salary of at least $880,000 + a $1,056,000 bonus (not counting option awards and other compensation). Last year they made $223.9M in sales by purchasing and selling installment sale contracts for light trucks and passenger vans. Net income was -$64.62. They only have $21,506 in cash [this is less than their accounts payable or accrued annual expenses] and $139,580 in restricted cash assets. The company has operations in California, Florida, and Illinois. They provide indirect financing for subprime borrowers with low incomes or past credit problems. Their industry is in consumer finance services. They called three times to leave me a half minute message made up of a series of 10 beeps. read more

They are a terrible company, they are so awful Apple believes them to be Scam if they call. Dealer lied about value of car and I have paid $16,000 so far for a car that was worth $6000 and now has 198,000 miles and I cant use and I still owe on the loan. I rather deal with SATAN over this predator of the weak credited. He at least would have given me something of value over the lies. read more

I have been working with them since the start of the year and I have yet to encounter a pleasant customer service representative over the phone. It is absolutely ridiculous. Every time I end a call with them I am upset!! read more

i purchased a car from galaxy auto end of november 2022 in winchester ky through CONSUMER PORTFOLIO SERVICES. the day they called to finalize the transaction the car was no longer working which was a 3 day span. i made 1 payment which i now regret in january. it is now june 26 monday CONSUMER PORTFOLIO SERVICES Just repoed the car june 24 saturday and the representative said to me today i should have looked at the reviews before(she is right)i bought the car! she should also have advise me to review consumer portfolio services. i have been scammed by this company(cps) and the car company (galaxy auto). they are working together!! do not i repeat do not use this finance company they are scammers!! read more

Scammer Portfolio aka This company is just as crooked as the dealers they finance for. I was sold a lemon in which was financed thru CPS. When I attempted to take the dealer to court I was advised to call the bank that financed me which is CPS. I was told this because I was tricked into signing a paper waiving my rights for court. I comtacted CPS they appointed me a dealer compliance rep. named Scott. After faxing all my paperwork now Scott is dodging my calls. Spoke to Scott supervisor she basically said there's nothing she can do Then said she'll call me back ....Still Waiting. These people pray on the weak take their money and leave them out to dry. Guess i have to file bankruptcy now So Sad read more

I haven't even had this loan for 90 days yet and I'm doing my best to refinance. 5 days before my first payment was due I had 20 contacts either through text messages or calls (which all say "spam risk" for good reason). I was so disgusted I called to complain and they told me deal with it or refinance. One customer service agent told me "that's just the way it is these days, you won't find anyone that isn't like us". Basically just deal with it? Nope! I went to pay my first payment and unless I wanted to go pay cash at one of the payment locations (none in good areas of town), I would have to pay a $15 fee to pay online or over the phone. That is a complete rip off. I qualified for a 7% apr with the new finance company and they had me at 16%! Completely absurd! read more

This did the WORST company EVER when it come to customer services. This asshole of an agent "Vanessa" I think that's the females name. She basically tried to say that because I went in and cleared some OLD payments that already had been cleared on my account and I was disputing $31.00 they charged me for something that was THEIR fault, that because I deleted those OLD payments basically it was my fault and looked suspicious..ARE YOU SERIOUS.. First of all how dare you. I have NEVER EVER been late OR missed a payment so to treat as if I tried to pull some sneaky stuff for $31 damn dollars is outrageous. I will be refinancing and this company can go to HELL. read more

Worst loan company I have ever used. Will only communicate with you if it is about you sending them money. Other than that they will ignore you. Even after emailing you claiming they are willing to help you. Their help consists of full amount owed nothing less. They don't care about people or what life brings. The only thing they care about is taking your money. I tried for months to talk to them about my situation just to be ignored unless I mentioned money. read more

Terrible company. They calculate interest based on the day since your last payment. So if you pay early you have to keep paying early or they will charge you interest from the date of your payment, not the days of the month. I am a month ahead and had something come up. So I knew I had a cushion and went 43 days without making a payment. I still wasnt late when I made the next payment but they charged interest for 43 days! Stay away from this company. read more

I read all the bad reviews so it made me feel uneasy to have to call them. The informed that I would be able to change my due date but after reading all the negative reviews I was afraid they wouldn't do that. This would have been my first payment they extended it by a week to make it on the day that works better for me and then after that they will change my due date to the day that works better for me. So for me being a new customer with the first time payment they did work with me and the lady I spoke to was very nice about it. Thank you for your help Cheyenne. read more

Garbage company!! Will make you pay an obscene amount of interest on your loan! Will harass you constantly if you miss a payment. Disgusting costumer service. Would not recommend! Don't not use this company!!!!! read more