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    <element id="cpss_Range5Member" name="Range5Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_Range6Member" name="Range6Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_Range7Member" name="Range7Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SecuritizationTrustDebtMember" name="SecuritizationTrustDebtMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_WarehouseLinesOfCreditMember" name="WarehouseLinesOfCreditMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_TaxPlanningStrategiesMember" name="TaxPlanningStrategiesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CompanyCommonStockMember" name="CompanyCommonStockMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_LargeCapValueMember" name="LargeCapValueMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_MidCapIndexMember" name="MidCapIndexMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SmallCapGrowthMember" name="SmallCapGrowthMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SmallCapValueMember" name="SmallCapValueMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_LargeCapBlendMember" name="LargeCapBlendMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_GrowthMember" name="GrowthMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_InternationalGrowthMember" name="InternationalGrowthMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CoreBondMember" name="CoreBondMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_HighYieldMember" name="HighYieldMember" abstract="true" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_InflationProtectedBondMember" name="InflationProtectedBondMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_MoneyMarketMember" name="MoneyMarketMember" abstract="true" 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_MeasurementInputCumulativeNetLosseseMember" name="MeasurementInputCumulativeNetLosseseMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CarryingValueMember" name="CarryingValueMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ResidualInterestFinancing" name="ResidualInterestFinancing" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_MarkToFinanceReceivablesMeasuredAtFairValue" name="MarkToFinanceReceivablesMeasuredAtFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_BalanceBeginningOfPeriodAsAdjustedAfterAdoptionOfASC" name="BalanceBeginningOfPeriodAsAdjustedAfterAdoptionOfASC" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_BalanceBeginningOfPeriodAsAdjustedAfterAdoptionOfASCShares" name="BalanceBeginningOfPeriodAsAdjustedAfterAdoptionOfASCShares" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_AdoptionOfASC326" name="AdoptionOfASC326" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_NetInterestIncomeAccretionOnFairValueReceivables" name="NetInterestIncomeAccretionOnFairValueReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_MarkToFairValueOfFinanceReceivablesMeasuredAtFairValue" name="MarkToFairValueOfFinanceReceivablesMeasuredAtFairValue" 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_RepaymentOfResidualInterestFinancingDebt" name="RepaymentOfResidualInterestFinancingDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" 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_Disclosure3FinanceReceivablesAbstract" name="Disclosure3FinanceReceivablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivableTextBlock" name="FinanceReceivableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_Disclosure5SecuritizationTrustDebtAbstract" name="Disclosure5SecuritizationTrustDebtAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SecuritizationTrustDebtTextBlock" name="SecuritizationTrustDebtTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DescriptionOfBusinessPolicyTextBlock" name="DescriptionOfBusinessPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesMeasuredAtFairValuePolicyTextBlock" name="FinanceReceivablesMeasuredAtFairValuePolicyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ChargeOffPolicyPolicyTextBlock" name="ChargeOffPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ContractAcquisitionFeesAndOriginationCostsPolicyTextBlock" name="ContractAcquisitionFeesAndOriginationCostsPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_RepossessedAndOtherAssetsPolicyTextBlock" name="RepossessedAndOtherAssetsPolicyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" 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_FinancialCovenantsPolicyTextBlock" name="FinancialCovenantsPolicyTextBlock" 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_CoronavirusPandemicPolicyTextBlock" name="CoronavirusPandemicPolicyTextBlock" 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_ScheduleOfAmortizedCostBasisOfFinanceReceivablesTableTextBlock" name="ScheduleOfAmortizedCostBasisOfFinanceReceivablesTableTextBlock" 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_SupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock" name="SupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_WeightedAverageAssetAllocationOfOurPensionBenefitsTableTextBlock" name="WeightedAverageAssetAllocationOfOurPensionBenefitsTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock" name="ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock" name="ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_OwnershipPercentageInSubsidiary" name="OwnershipPercentageInSubsidiary" nillable="true" xbrli:periodType="instant" type="xbrli:pureItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_TotalFinanceReceivablesWithDelinquencyStatus" name="TotalFinanceReceivablesWithDelinquencyStatus" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinalScheduledPaymentDate" name="FinalScheduledPaymentDate" 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_ExpectedFinanceReceivablePaymentsYearOne" name="ExpectedFinanceReceivablePaymentsYearOne" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ExpectedFinanceReceivablePaymentsYearTwo" name="ExpectedFinanceReceivablePaymentsYearTwo" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ExpectedFinanceReceivablePaymentsYearThree" name="ExpectedFinanceReceivablePaymentsYearThree" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ExpectedFinanceReceivablePaymentsYearFour" name="ExpectedFinanceReceivablePaymentsYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ExpectedFinanceReceivablePaymentsYearFive" name="ExpectedFinanceReceivablePaymentsYearFive" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ExpectedFinanceReceivablePaymentsYearSix" name="ExpectedFinanceReceivablePaymentsYearSix" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ProceedsFromResidualInterestFinancings" name="ProceedsFromResidualInterestFinancings" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_IncomeTaxReconciliationOperatingLossCarryback" name="IncomeTaxReconciliationOperatingLossCarryback" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_AccountingMethodChange" name="AccountingMethodChange" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DeferredTaxAssetsBuiltInLosses" name="DeferredTaxAssetsBuiltInLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_OperatingLeaseRightOfUseAssetGross" name="OperatingLeaseRightOfUseAssetGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_AccumulatedAmortizationRightofuseAssets" name="AccumulatedAmortizationRightofuseAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceLeasesAbstract" name="FinanceLeasesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceLeaseRightOfUseAssetAtCost" name="FinanceLeaseRightOfUseAssetAtCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceLeaseRightOfUseAssetAccumulatedDepreciation" name="FinanceLeaseRightOfUseAssetAccumulatedDepreciation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_OperatingLeasesFutureMinimumPaymentsDueInterest" name="OperatingLeasesFutureMinimumPaymentsDueInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceLeaseCost" name="FinanceLeaseCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract" name="CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinancingCashFlowsFromFinanceLeases" name="FinancingCashFlowsFromFinanceLeases" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_PaymentsOnFinanceReceivablesAtFairValue" name="PaymentsOnFinanceReceivablesAtFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_FairValueUnobservableInputsPercentage" name="FairValueUnobservableInputsPercentage" nillable="true" xbrli:periodType="instant" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesMeasuredAtFairValueCurrent" name="FinanceReceivablesMeasuredAtFairValueCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesMeasuredAtFairValue" name="FinanceReceivablesMeasuredAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesFairValueDisclosure" name="FinanceReceivablesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_RecoveryRate" name="RecoveryRate" nillable="true" xbrli:periodType="instant" type="num:percentItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_NonCashFinancingActivitiesRightOfUseAsset" name="NonCashFinancingActivitiesRightOfUseAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_NonCashFinancingActivitiesLeaseLiability" name="NonCashFinancingActivitiesLeaseLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_NonCashFinancingActivitiesDeferredOfficeRent" name="NonCashFinancingActivitiesDeferredOfficeRent" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
</schema>
