Consumer Portfolio Services (CPS) is a financial service provider that specializes in helping drivers with poor credit histories and low income secure auto loans. They provide this service by purchasing retail installment sales contracts from car dealers. Read on to find out more about the company.
What They Do
The company works primarily with franchised used car dealerships, although the company also purchases retail installment sales contracts for new vehicles under some limited circumstances. It funds these purchases through the securitization market, then services the contracts until customers have paid off their cars.
History of Success
CPS was founded in 1991 in Irving, California, where it continues to operate its headquarters. Since its founding, CPS has purchased nearly $16 billion in sales contracts.
Today, CPS also has servicing branches in four additional states: Nevada, Virginia, Florida, and Illinois. However, the company purchases contracts from dealerships across the 48 continental United States.
As of late June, CPS has around 177,000 customers with open accounts. Its 1,045 current employees work with these customers to ensure timely payments so that debtors can keep their cars, dealers can sell their sales contracts, and investors can make money supporting this industry front-runner.
Info for Customers
Customers can get in touch with CPS by phone at (888) 469-4520 or they can manage their accounts online. CPS makes it easy to check application status, submit loan documents, view recent statements, and make payments via the Internet but for those who prefer to do things the old-fashioned way, they also offer the option of making payments by mail. Customers can mail their payments to P.O. Box 57071 in Irvine, CA, 92619.
Info for Dealers
CPS also maintains a dedicated website for auto dealers who want to sell their sales contracts. Dealers can submit credit applications, review contracts, and view the status of their current and pending contract packages online via Dealer Access. They can also sign up for the CPS direct mail program, giving them access to highly targeted customer lists and legitimate credit offers.
Info for Investors
The company’s common stock is traded under the NASDAQ ticker “CPSS.” Those interested in learning more about the company, its finances, and its stock information can visit the CPS website for additional information.…
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