Bankruptcy (BK)

BK is OK. In fact, 30% of the customers CPS finances have been through a BK. No re-established credit is required. Discharge today, drive today!

Pre-Discharged BK

CPS will also finance customers with an open Chapter 7 BK as soon as one day after filing! Get a jump on the competition and say "YES" to Pre-Discharged BK's.

Low Credit Score

CPS is one of the few lenders that DOES NOT require a minimum FICO score. Got 480's, 500's you need financed—we're good with ANY credit score.

Delinquent Mortgage

CPS is OK with customers that are currently delinquent on their mortgage. Everyone knows the housing crisis has put lots of good people into tough situations, now you can profitably sell cars to this huge market segment.


Got customers booted out of their home? There's hundreds of thousands of these customers across the country. CPS says YES to customers with foreclosure!

First Time Buyer with bad credit

Got First Time Buyer's with bad credit—CPS will finance those customers for you. And, we'll even take "ghost" credit buyers. Up to $15,000 amount financed on FTB!


Customers with a prior repo are CPS's bread and butter deal. 45% of our customers have had a prior repo. We even buy deals with multiple repo's under certain programs. Stop passing these deals—let CPS finance them for you. And, multiple repo's are OK as part of a BK.

Low Income

CPS has 3 programs that only need a $1,400 minimum income. Most lenders are looking for $2,000 minimum income—CPS helps you make deals on ALL your subprime customers, even those making just $1,400 a month.

Mix and Match

How about a 510 FICO score, BK customer with a repo and a currently delinquent mortgage…that's a TD with most lenders—but it's a full advance APPROVAL with CPS!

Don't let opportunity walk off your lot!

Bankruptcies, Delinquent Mortgages, Foreclosures, Low FICOs, and more...


It's your job to sell as many cars as you can. CPS can help you hit your numbers, make your bonus and keep growing your sales and profit each and every month! And we make it EASY!

We have helped thousands of dealers like you bring subprime into their business model. We'll work these deals with you and show you what you need to know to pull in more sales.

Give us a call and talk to our people. They'll tell you more, answer your questions and get you set up to move more metal and make more money TODAY! Call us at 1-800-304-6812.

CPS announces launch of eighth program, Bravo! Click here for details.


CPS is a subprime auto finance company based in Irvine CA. CPS was founded in 1991 and provides auto finance programs to franchised and non-franchised dealers in 44 states. CPS is a publically traded company listed on the NASDAQ stock exchange under the ticker symbol "CPSS".

CPS supports dealer sales efforts with 7 finance programs. CPS provides dealers instant credit application decisions 24/7 via our automated decision engine. CPS specializes in financing customers with bankruptcy, low credit scores and/or repossession. CPS remains a "common sense" lender—working closely with dealers to structure profitable loan terms.

CPS has financed over 600,000 vehicles to subprime customers since 1991—over $8billion of auto loans. CPS is full service auto loan origination and collection business. CPS secures financing for its loan portfolio via the securitization market. CPS operates from four offices—HQ in Irvine CA, collection centers in Chicago IL, Chesapeake VA and Orlando FL.

To find out more about CPS, visit