Consumer Portfolio Services, Inc.

Item 1.01. Entry into a Material Definitive Agreement. The information contained in Item 2.03 of this report is hereby incorporated by reference into this Item 1.01. The registrant disclaims any implication that the agreements relating to the transactions described in this report are other than agreements entered into in the ordinary course of its business. Warehouse Credit Facility Amended On October 9, 2026, Consumer Portfolio Services, Inc. ("CPS" or the "Company") and its wholly-owned subsidiary Page Eleven Funding LLC (the “Borrower”) amended a revolving credit agreement (the "Credit Agreement") and related agreements with Capital One, N.A., and a Class B Lender (the “Lenders”), all of which have been in place since October 2025. Loans under the amended Credit Agreement are to be secured by automobile receivables that CPS now holds or may acquire in the future from dealers, which receivables CPS would then sell or contribute to the Borrower. Under the Credit Agreement, and subject to its terms and conditions, the Lenders have increased the capacity from $390 million and agreed to lend from time to time prior to the funding termination date up to a maximum of $518 million to be outstanding at any time. The amount that may be advanced under the Credit Agreement is up to 95.5% of the principal amount of eligible pledged receivables. The funding termination date is October 17, 2027 or earlier upon the occurrence of defined funding termination events. The amounts outstanding could become due at an earlier date, if any of certain defined events of default were to occur. Loans under the Credit Agreement bear interest at a floating rate set as a margin above the secured overnight financing rate. Affiliates of Capital One, N.A. have also performed investment banking and advisory services for CPS from time to time, for which they have received customary fees and expenses.

Item 2.03. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information provided in response to item 1.01 is incorporated herein by reference. Warehouse Credit Facility CPS first incurred indebtedness under the revolving credit agreement on October 22, 2025. CPS intends to incur indebtedness from time to time as it acquires motor vehicle receivables from dealers. CPS does not undertake to provide updates regarding the amount of indebtedness outstanding from time to time, and no inference should be drawn that such indebtedness has not changed.