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    <element id="cpss_AllowanceForLossesOnRepossessedInventory1" name="AllowanceForLossesOnRepossessedInventory1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinalScheduledPaymentDate1" name="FinalScheduledPaymentDate1" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SecuritizationTrustDebtInitialPrincipal" name="SecuritizationTrustDebtInitialPrincipal" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FiresideReceivablesPortfolio" name="FiresideReceivablesPortfolio" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DebtSecuredByFiresideReceivablesPortfolio" name="DebtSecuredByFiresideReceivablesPortfolio" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesFairValue" name="FinanceReceivablesFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SecuritizationTrustDebtFairValueDisclosure" name="SecuritizationTrustDebtFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DebtSecuredReceivablesFairValue" name="DebtSecuredReceivablesFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesDelinquentThirtyoneToSixtyDays" name="FinanceReceivablesDelinquentThirtyoneToSixtyDays" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesDelinquentSixtyoneToNintyDays" name="FinanceReceivablesDelinquentSixtyoneToNintyDays" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesDelinquentMoreThanNintyoneDays" name="FinanceReceivablesDelinquentMoreThanNintyoneDays" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_AccretionOfDeferredAcquisitionFees" name="AccretionOfDeferredAcquisitionFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ChangeInRepossessionsInInventory" name="ChangeInRepossessionsInInventory" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_PaymentsOnReceivablesPortfolioAtFairValue" name="PaymentsOnReceivablesPortfolioAtFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_PurchasesOfFinanceReceivablesHeldForInvestment" name="PurchasesOfFinanceReceivablesHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_RepurchaseOfCommonStockAverageSharePrice" name="RepurchaseOfCommonStockAverageSharePrice" nillable="true" xbrli:periodType="duration" type="num:perShareItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ResidualInterestIncome" name="ResidualInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ResidualInterestDebtInterestExpense" name="ResidualInterestDebtInterestExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_InterestExpenseDebtSecuredByReceivablesAtFairValue" name="InterestExpenseDebtSecuredByReceivablesAtFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_MarkToFairValue" name="MarkToFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DiscountAccretion" name="DiscountAccretion" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ChargeoffsOnFinanceReceivablesAtFairValue" name="ChargeoffsOnFinanceReceivablesAtFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_PaymentsOnFinanceReceivablesAtFairValue" name="PaymentsOnFinanceReceivablesAtFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_AdjustedBalanceAtEndOfPeriod" name="AdjustedBalanceAtEndOfPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ReductionForPrincipalPaymentsCollectedAndPayable" name="ReductionForPrincipalPaymentsCollectedAndPayable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_MarkToFairValueLiability" name="MarkToFairValueLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_PremiumAccretion" name="PremiumAccretion" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_PrincipalPaymentsOnDebtAtFairValue" name="PrincipalPaymentsOnDebtAtFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_OtherIncomePolicyTextBlock" name="OtherIncomePolicyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_PurchasesOfCompanyStockPolicyTextBlock" name="PurchasesOfCompanyStockPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ProvisionForContingentLiabilitiesPolicyTextBlock" name="ProvisionForContingentLiabilitiesPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_OtherIncomeTableTextBlock" name="OtherIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DelinquencyStatusOfFinanceReceivablesTableTextBlock" name="DelinquencyStatusOfFinanceReceivablesTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_AllowanceForLossesOnRepossessedInventoryTableTextBlock" name="AllowanceForLossesOnRepossessedInventoryTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_InterestExpenseTableTextBlock" name="InterestExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ComparisionOfFairValuesOfFiresideReceivablesAndRelatedSecuredDebtTableTextBlock" name="ComparisionOfFairValuesOfFiresideReceivablesAndRelatedSecuredDebtTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm3" name="SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm3" nillable="true" xbrli:periodType="duration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ProceedsFromExerciseOfOptionsAndWarrants" name="ProceedsFromExerciseOfOptionsAndWarrants" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearSix" name="LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearSix" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_RestrictedCashForSecuritizationTrustDebtpreFundingProceeds" name="RestrictedCashForSecuritizationTrustDebtpreFundingProceeds" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_AmortizationPeriodForReceivablesPledged" name="AmortizationPeriodForReceivablesPledged" nillable="true" xbrli:periodType="duration" type="xbrli:dateItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_UnobservableInputsDiscountRate" name="UnobservableInputsDiscountRate" nillable="true" xbrli:periodType="instant" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_UnobservableInputCumulativeNetLossesPercent" name="UnobservableInputCumulativeNetLossesPercent" nillable="true" xbrli:periodType="instant" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_UnobservableInputMonthlyAveragePrepayments" name="UnobservableInputMonthlyAveragePrepayments" nillable="true" xbrli:periodType="instant" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2013BMember" name="CPS2013BMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2015AMember" name="CPS2015AMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2014DMember" name="CPS2014DMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2011AMember" name="CPS2011AMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2011BMember" name="CPS2011BMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2011CMember" name="CPS2011CMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2012AMember" name="CPS2012AMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2012BMember" name="CPS2012BMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2012CMember" name="CPS2012CMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2012DMember" name="CPS2012DMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2013AMember" name="CPS2013AMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2013CMember" name="CPS2013CMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2013DMember" name="CPS2013DMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2014AMember" name="CPS2014AMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2014BMember" name="CPS2014BMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2014CMember" name="CPS2014CMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DirectMailRevenuesMember" name="DirectMailRevenuesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ConvenienceFeeMember" name="ConvenienceFeeMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_RecoveriesMember" name="RecoveriesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SalesTaxRefundsMember" name="SalesTaxRefundsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ResidualInterestFinancingMember" name="ResidualInterestFinancingMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SubordinatedRenewableNotesMember" name="SubordinatedRenewableNotesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_WarehouseLinesOfCredit1Member" name="WarehouseLinesOfCredit1Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_WarehouseLinesOfCredit2Member" name="WarehouseLinesOfCredit2Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DebtSecuredByReceivablesMeasuredAtFairValueMember" name="DebtSecuredByReceivablesMeasuredAtFairValueMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ContractualBalanceMember" name="ContractualBalanceMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2015C3Member" name="CPS2015C3Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_OpenMarketMember" name="OpenMarketMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ExerciseOptionsMember" name="ExerciseOptionsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2015BMember" name="CPS2015BMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_UnauditedCondensedConsolidatedStatementsOfComprehensiveIncomeAbstract" name="UnauditedCondensedConsolidatedStatementsOfComprehensiveIncomeAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CashPaidReceivedDuringThePeriodForAbstract" name="CashPaidReceivedDuringThePeriodForAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesAbstract" name="FinanceReceivablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SecuritizationTrustDebtAbstract" name="SecuritizationTrustDebtAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_InterestIncomeAbstract" name="InterestIncomeAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_LegalProceedingsAbstract" name="LegalProceedingsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_EmployeeBenefitsAbstract" name="EmployeeBenefitsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_InterestIncomeAndInterestExpenseTablesAbstract" name="InterestIncomeAndInterestExpenseTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_NumberOfShares" name="NumberOfShares" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_WeightedAverageExercisePrice" name="WeightedAverageExercisePrice" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_WeightedAverageRemainingContractualTerm" name="WeightedAverageRemainingContractualTerm" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_InterestAndOtherIncomeTextBlockAbstract" name="InterestAndOtherIncomeTextBlockAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_InterestExpenseDetailsAbstract" name="InterestExpenseDetailsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesMeasuredAtFairValue" name="FinanceReceivablesMeasuredAtFairValue" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DebtSecuredByFinanceReceivablesMeasuredAtFairValue" name="DebtSecuredByFinanceReceivablesMeasuredAtFairValue" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FairValuesOfFiresideReceivablesAndRelatedSecuredDebtToTheirContractualBalancesAbstract" name="FairValuesOfFiresideReceivablesAndRelatedSecuredDebtToTheirContractualBalancesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FairValueMeasurementsDetailsAbstract" name="FairValueMeasurementsDetailsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_UnobservableInputsAbstract" name="UnobservableInputsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
</schema>





