If you have past credit problems, low income or limited credit history and need a vehicle Consumer Portfolio Services can help. Consumer Portfolio Services is an independent specialty finance company and what they do is provide automobile financing to those people – done independently. How they do it is by purchasing retail installment sales contracts. These come from franchised automobile dealerships and are typically used vehicles but are sometimes new as well. They have been in business successfully since 1991 and can help you out too. With over $9 billion in contracts purchased, 525 employees and over 100,000 customers; they know exactly what they are doing.