This is the official website of the Consumer Portfolio Services. This financial company provides indirect automobile financing to individual borrowers with past credit problems, low incomes, or limited credit histories. It does not make loans directly to consumers, as I stated before, but instead it uses a kind of “intermediary”, which is the dealer. CPS offers an easy to follow set of criteria for 7 different credit tiers, including a First Time Buyer program. CPS programs offer generous vehicle advance and terms, giving dealers many ways to finance their sub-prime buyers. This is a great way to start from the bottom up; if you lost everything, CPS may be there to help you. Enter the site and you will find all the information regarding on how to get your loan.