

    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 3.5d -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: http://www.novaworks.co -->
    <!-- Field: Doc-Info; Name: Source; Value: cps_10q%2D063013.xfr; Date: 2013/08/08T22:49:29 -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
    <!-- Field: Doc-Info; Name: Misc; Value: 9ag5o7xRiXhun8uCZndcWaOOGcOdxZR/KZlBsGx9bVma7yMt/1dXhSUpTbLWcTcM -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:us-gaap="http://fasb.org/us-gaap/2013-01-31" xmlns:us-roles="http://fasb.org/us-roles/2013-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:us-types="http://fasb.org/us-types/2013-01-31" xmlns:cpss="http://consumerportfolio.com/20130630" elementFormDefault="qualified" targetNamespace="http://consumerportfolio.com/20130630">
    <annotation>
      <appinfo>
	<link:roleType roleURI="http://consumerportfolio.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
	  <link:definition>0001 - Document - Document and Entity Information</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/UnauditedCondensedConsolidatedBalanceSheets" id="UnauditedCondensedConsolidatedBalanceSheets">
	  <link:definition>0002 - Statement - UNAUDITED CONDENSED CONSOLIDATED BALANCE SHEETS</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/UnauditedCondensedConsolidatedBalanceSheetsParenthetical" id="UnauditedCondensedConsolidatedBalanceSheetsParenthetical">
	  <link:definition>0003 - Statement - UNAUDITED CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/UnauditedCondensedConsolidatedStatementsOfOperations" id="UnauditedCondensedConsolidatedStatementsOfOperations">
	  <link:definition>0004 - Statement - UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/UnauditedCondensedConsolidatedStatementsOfComprehensiveIncome" id="UnauditedCondensedConsolidatedStatementsOfComprehensiveIncome">
	  <link:definition>0005 - Statement - UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/UnauditedCondensedConsolidatedStatementsOfCashFlows" id="UnauditedCondensedConsolidatedStatementsOfCashFlows">
	  <link:definition>0006 - Statement - UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/SummaryOfSignificantAccountingPolicies" id="SummaryOfSignificantAccountingPolicies">
	  <link:definition>0007 - Disclosure - 1. Summary of Significant Accounting Policies</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FinanceReceivables" id="FinanceReceivables">
	  <link:definition>0008 - Disclosure - 2. Finance Receivables</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FinanceReceivablesMeasuredAtFairValue" id="FinanceReceivablesMeasuredAtFairValue">
	  <link:definition>0009 - Disclosure - 3. Finance Receivables Measured at Fair Value</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/SecuritizationTrustDebt" id="SecuritizationTrustDebt">
	  <link:definition>0010 - Disclosure - 4. Securitization Trust Debt</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/Debt" id="Debt">
	  <link:definition>0011 - Disclosure - 5. Debt</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/InterestIncomeAndInterestExpense" id="InterestIncomeAndInterestExpense">
	  <link:definition>0012 - Disclosure - 6. Interest Income and Interest Expense</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/EarningsPerShare" id="EarningsPerShare">
	  <link:definition>0013 - Disclosure - 7. Earnings Per Share</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/IncomeTaxes" id="IncomeTaxes">
	  <link:definition>0014 - Disclosure - 8. Income Taxes</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/LegalProceedings" id="LegalProceedings">
	  <link:definition>0015 - Disclosure - 9. Legal Proceedings</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/EmployeeBenefits" id="EmployeeBenefits">
	  <link:definition>0016 - Disclosure - 10. Employee Benefits</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FairValueMeasurements" id="FairValueMeasurements">
	  <link:definition>0017 - Disclosure - 11. Fair Value Measurements</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/SummaryOfSignificantAccountingPoliciesPolicies" id="SummaryOfSignificantAccountingPoliciesPolicies">
	  <link:definition>0018 - Disclosure - 1. Summary of Significant Accounting Policies (Policies)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/SummaryOfSignificantAccountingPoliciesTables" id="SummaryOfSignificantAccountingPoliciesTables">
	  <link:definition>0019 - Disclosure - 1. Summary of Significant Accounting Policies (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FinanceReceivablesTables" id="FinanceReceivablesTables">
	  <link:definition>0020 - Disclosure - 2. Finance Receivables (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FinanceReceivablesMeasuredAtFairValueTables" id="FinanceReceivablesMeasuredAtFairValueTables">
	  <link:definition>0021 - Disclosure - 3. Finance Receivables Measured at Fair Value (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/SecuritizationTrustDebtTables" id="SecuritizationTrustDebtTables">
	  <link:definition>0022 - Disclosure - 4. Securitization Trust Debt (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/DebtTables" id="DebtTables">
	  <link:definition>0023 - Disclosure - 5. Debt (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/InterestIncomeAndInterestExpenseTables" id="InterestIncomeAndInterestExpenseTables">
	  <link:definition>0024 - Disclosure - 6. Interest Income and Interest Expense (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/EarningsPerShareTables" id="EarningsPerShareTables">
	  <link:definition>0025 - Disclosure - 7. Earnings Per Share (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/EmployeeBenefitsTables" id="EmployeeBenefitsTables">
	  <link:definition>0026 - Disclosure - 10. Employee Benefits (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FairValueMeasurementsTables" id="FairValueMeasurementsTables">
	  <link:definition>0027 - Disclosure - 11. Fair Value Measurements (Tables)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/SummaryOfSignificantAccountingPoliciesDetails" id="SummaryOfSignificantAccountingPoliciesDetails">
	  <link:definition>0028 - Disclosure - 1. Summary of Significant Accounting Policies (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/Stock-BasedCompensationDetails" id="Stock-BasedCompensationDetails">
	  <link:definition>0029 - Disclosure - 1. Stock-based Compensation (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" id="SummaryOfSignificantAccountingPoliciesDetailsNarrative">
	  <link:definition>0030 - Disclosure - 1. Summary of Significant Accounting Policies (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FinanceReceivablesDetails" id="FinanceReceivablesDetails">
	  <link:definition>0031 - Disclosure - 2. Finance Receivables (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FinanceReceivablesDetail1" id="FinanceReceivablesDetail1">
	  <link:definition>0032 - Disclosure - 2. Finance Receivables (Detail 1)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FinanceReceivablesDetail2" id="FinanceReceivablesDetail2">
	  <link:definition>0033 - Disclosure - 2. Finance Receivables (Detail 2)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FinanceReceivablesDetail3" id="FinanceReceivablesDetail3">
	  <link:definition>0034 - Disclosure - 2. Finance Receivables (Detail 3)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FinanceReceivablesDetailsNarrative" id="FinanceReceivablesDetailsNarrative">
	  <link:definition>0035 - Disclosure - 2. Finance Receivables (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FinanceReceivablesMeasuredAtFairValueDetails" id="FinanceReceivablesMeasuredAtFairValueDetails">
	  <link:definition>0036 - Disclosure - 3. Finance Receivables Measured at Fair Value (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FinanceReceivablesMeasuredAtFairValueDetail1" id="FinanceReceivablesMeasuredAtFairValueDetail1">
	  <link:definition>0037 - Disclosure - 3. Finance Receivables Measured at Fair Value (Detail 1)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/SecuritizationTrustDebtDetails" id="SecuritizationTrustDebtDetails">
	  <link:definition>0038 - Disclosure - 4. Securitization Trust Debt (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/SecuritizationTrustDebtDetailsNarrative" id="SecuritizationTrustDebtDetailsNarrative">
	  <link:definition>0039 - Disclosure - 4. Securitization Trust Debt (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/DebtDetails" id="DebtDetails">
	  <link:definition>0040 - Disclosure - 5. Debt (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/InterestIncomeDetails" id="InterestIncomeDetails">
	  <link:definition>0041 - Disclosure - 6. Interest Income (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/InterestExpenseDetails" id="InterestExpenseDetails">
	  <link:definition>0042 - Disclosure - 6. Interest Expense (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/EarningsPerShareDetails" id="EarningsPerShareDetails">
	  <link:definition>0043 - Disclosure - 7. Earnings Per Share (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/EarningsPerShareDetailsNarrative" id="EarningsPerShareDetailsNarrative">
	  <link:definition>0044 - Disclosure - 7. Earnings Per Share (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/IncomeTaxesDetailsNarrative" id="IncomeTaxesDetailsNarrative">
	  <link:definition>0045 - Disclosure - 8. Income Taxes (Details Narrative)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/EmployeeBenefitsDetails" id="EmployeeBenefitsDetails">
	  <link:definition>0046 - Disclosure - 10. Employee Benefits (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FairValueMeasurementsDetails" id="FairValueMeasurementsDetails">
	  <link:definition>0047 - Disclosure - 11. Fair Value measurements (Details)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FairValueMeasurementsDetails2" id="FairValueMeasurementsDetails2">
	  <link:definition>0048 - Disclosure - 11. Fair Value measurements (Details 2)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FairValueMeasurementsDetails3" id="FairValueMeasurementsDetails3">
	  <link:definition>0049 - Disclosure - 11. Fair Value measurements (Details 3)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:roleType roleURI="http://consumerportfolio.com/role/FairValueMeasurementsDetails4" id="FairValueMeasurementsDetails4">
	  <link:definition>0050 - Disclosure - 11. Fair Value measurements (Details 4)</link:definition>
	  <link:usedOn>link:presentationLink</link:usedOn>
	  <link:usedOn>link:calculationLink</link:usedOn>
	  <link:usedOn>link:definitionLink</link:usedOn>
	</link:roleType>
	<link:linkbaseRef xlink:type="simple" xlink:href="cpss-20130630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links" />
	<link:linkbaseRef xlink:type="simple" xlink:href="cpss-20130630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
	<link:linkbaseRef xlink:type="simple" xlink:href="cpss-20130630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Calculation Links" />
	<link:linkbaseRef xlink:type="simple" xlink:href="cpss-20130630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links" />
      </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2013-01-31" schemaLocation="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd" />
    <import namespace="http://fasb.org/us-gaap/2013-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd" />
    <import namespace="http://fasb.org/us-types/2013-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2013/elts/us-types-2013-01-31.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
    <element id="cpss_CPS2006BMember" name="CPS2006BMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2006CMember" name="CPS2006CMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2006DMember" name="CPS2006DMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2007AMember" name="CPS2007AMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2007TFCMember" name="CPS2007TFCMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2007BMember" name="CPS2007BMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2007CMember" name="CPS2007CMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2008AMember" name="CPS2008AMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_PageFiveFundingMember" name="PageFiveFundingMember" 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_ResidualInterestFinancingMember" name="ResidualInterestFinancingMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SeniorSecuredDebtRelatedParty1Member" name="SeniorSecuredDebtRelatedParty1Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SeniorSecuredDebtRelatedParty2Member" name="SeniorSecuredDebtRelatedParty2Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SeniorSecuredDebtRelatedParty3Member" name="SeniorSecuredDebtRelatedParty3Member" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SeniorSecuredDebtRelatedPartyMember" name="SeniorSecuredDebtRelatedPartyMember" 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_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_ResidualInterestSecuritizationsMember" name="ResidualInterestSecuritizationsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DebtSecuredReceivablesMember" name="DebtSecuredReceivablesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_PageSixFundingFacilityMember" name="PageSixFundingFacilityMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_PageEightFundingFacilityMember" name="PageEightFundingFacilityMember" 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_FederalMember" name="FederalMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_StockOptionsUnder2006And1997PlansMember" name="StockOptionsUnder2006And1997PlansMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_StockOptionTwoThousandSixPlanMember" name="StockOptionTwoThousandSixPlanMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ExercisePriceEqualToMarketPriceMember" name="ExercisePriceEqualToMarketPriceMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ExercisePriceAboveToMarketPriceMember" name="ExercisePriceAboveToMarketPriceMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CompanyCommonStockMember" name="CompanyCommonStockMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FundamentalValueMember" name="FundamentalValueMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_MidCapGrowthMember" name="MidCapGrowthMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FocusValueMember" name="FocusValueMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SmallCompanyValueMember" name="SmallCompanyValueMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_GrowthMember" name="GrowthMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_InternationalGrowthMember" name="InternationalGrowthMember" 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" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_IncomeMember" name="IncomeMember" 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" 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_WarrantDerivativeLiabilityMember" name="WarrantDerivativeLiabilityMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CPS2013BMember" name="CPS2013BMember" 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_ProvisionForContingentLiabilities" name="ProvisionForContingentLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CondensedConsolidatedStatementsOfComprehensiveIncomelossAbstract" name="CondensedConsolidatedStatementsOfComprehensiveIncomelossAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" 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_PurchasesOfFinanceReceivablesHeldForInvestment" name="PurchasesOfFinanceReceivablesHeldForInvestment" 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_ChangeInRepossessionsInInventory" name="ChangeInRepossessionsInInventory" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_RepaymentOfDebtSecuredByReceivablesMeasuredAtFairValue" name="RepaymentOfDebtSecuredByReceivablesMeasuredAtFairValue" 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_DerivativeWarrantsReclassifiedFromLiabilitiesToCommonStockUponAmendment" name="DerivativeWarrantsReclassifiedFromLiabilitiesToCommonStockUponAmendment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" 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_FinanceReceivablesMeasuredAtFairValueAbstract" name="FinanceReceivablesMeasuredAtFairValueAbstract" 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_InterestIncomeAndInterestExpenseAbstract" name="InterestIncomeAndInterestExpenseAbstract" 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_OtherIncomePolicyTextBlock" name="OtherIncomePolicyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_PurchasesOfCompanyStock" name="PurchasesOfCompanyStock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinancialCovenants" name="FinancialCovenants" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_GainOnCancellationOfDebt" name="GainOnCancellationOfDebt" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ProvisionForContingentLiabilitiesPolicy" name="ProvisionForContingentLiabilitiesPolicy" 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_FinanceReceivablesTablesAbstract" name="FinanceReceivablesTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_AllowanceForLossesOnRepossessedInventoryTableTextBlock" name="AllowanceForLossesOnRepossessedInventoryTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesMeasuredAtFairValueTablesAbstract" name="FinanceReceivablesMeasuredAtFairValueTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DelinquencyStatusOfFinanceReceivablesMeasuredAtFairValuePolicyTextBlock" name="DelinquencyStatusOfFinanceReceivablesMeasuredAtFairValuePolicyTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SecuritizationTrustDebtTablesAbstract" name="SecuritizationTrustDebtTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DebtTablesAbstract" name="DebtTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_InterestExpenseTableTextBlock" name="InterestExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_EarningsPerShareTablesAbstract" name="EarningsPerShareTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_EmployeeBenefitsTablesAbstract" name="EmployeeBenefitsTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FairValueMeasurementsTablesAbstract" name="FairValueMeasurementsTablesAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ComparisionOfFairValuesOfFiresideReceivablesAndRelatedSecuredDebtTableTextBlock" name="ComparisionOfFairValuesOfFiresideReceivablesAndRelatedSecuredDebtTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DirectMailRevenues" name="DirectMailRevenues" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ConvenienceFeeRevenue" name="ConvenienceFeeRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_RecoveriesOnPreviouslyChargedoffContracts" name="RecoveriesOnPreviouslyChargedoffContracts" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SalesTaxRefunds" name="SalesTaxRefunds" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_StockbasedCompensationDetailsAbstract" name="StockbasedCompensationDetailsAbstract" 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" 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_SummaryOfSignificantAccountingPoliciesDetailsTextualAbstract" name="SummaryOfSignificantAccountingPoliciesDetailsTextualAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_UnrecognizedStockbasedCompensationCosts" name="UnrecognizedStockbasedCompensationCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_UnrecognizedStockbasedCompensationCostsAmortizationPeriod" name="UnrecognizedStockbasedCompensationCostsAmortizationPeriod" nillable="true" xbrli:periodType="duration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicyPolicyTextBlockAbstract" name="FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicyPolicyTextBlockAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_AllowanceForLossesOnRepossessedInventory1" name="AllowanceForLossesOnRepossessedInventory1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesDetailsTextualsAbstract" name="FinanceReceivablesDetailsTextualsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesFairValueAdjustment" name="FinanceReceivablesFairValueAdjustment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinancingReceivableInvestmentCurrent" name="FinancingReceivableInvestmentCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinancingReceivableRecordedInvestment30To59DaysPastDue1" name="FinancingReceivableRecordedInvestment30To59DaysPastDue1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinancingReceivableRecordedInvestment60To89DaysPastDue1" name="FinancingReceivableRecordedInvestment60To89DaysPastDue1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue1" name="FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SecuritizationTrustDebtDetailsTextualsAbstract" name="SecuritizationTrustDebtDetailsTextualsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinalScheduledPaymentDate1" name="FinalScheduledPaymentDate1" nillable="true" xbrli:periodType="instant" 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_SecuritizationTrustDebtDetailsNarrativeAbstract" name="SecuritizationTrustDebtDetailsNarrativeAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DebtDisclosureTextBlockAbstract" name="DebtDisclosureTextBlockAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_OtherDebtOutstanding2" name="OtherDebtOutstanding2" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_InterestRate2" name="InterestRate2" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_MaturityDate2" name="MaturityDate2" 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_ResidualInterestIncome" name="ResidualInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" 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_InterestExpenseDebtSecuredByReceivablesAtFairValue" name="InterestExpenseDebtSecuredByReceivablesAtFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" 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_EarningsPerShareDetailsAbstract" name="EarningsPerShareDetailsAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_EarningsPerShareDetailsNarrativeAbstract" name="EarningsPerShareDetailsNarrativeAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_IncomeTaxesDetailsNarrativeAbstract" name="IncomeTaxesDetailsNarrativeAbstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" 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_FinanceReceivablesMeasuredAtFairValue" name="FinanceReceivablesMeasuredAtFairValue" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" 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_ChargeoffsOnFinanceReceivablesAtFairValue" name="ChargeoffsOnFinanceReceivablesAtFairValue" 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_MarkToFairValue" name="MarkToFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" 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_PrincipalPaymentsOnDebtAtFairValue" name="PrincipalPaymentsOnDebtAtFairValue" 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_MarkToFairValueLiability" name="MarkToFairValueLiability" 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_AdjustedBalanceAtEndOfPeriod" name="AdjustedBalanceAtEndOfPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" 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_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_FairValueMeasurementsDetails3Abstract" name="FairValueMeasurementsDetails3Abstract" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ResidualInterestInSecuritizations" name="ResidualInterestInSecuritizations" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_WarrantDerivativeLiability" name="WarrantDerivativeLiability" abstract="true" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_WarrantDerivativeLiabilityIncludedInEarnings" name="WarrantDerivativeLiabilityIncludedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_WarrantDerivativeLiabilityReclassificationToEquity" name="WarrantDerivativeLiabilityReclassificationToEquity" nillable="true" xbrli:periodType="duration" 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_DebtSecuredReceivablesFairValue" name="DebtSecuredReceivablesFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_SeniorSecuredDebt" name="SeniorSecuredDebt" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
</schema>





