Consumer Portfolio Services Began New Forward Flow Program With Valley Strong Credit Union On Dec. 12

Consumer Portfolio Services, Inc. (Nasdaq: CPSS) ("CPS" or the "Company") today announced that on December 12, 2025, it began a new forward flow program with Valley Strong Credit Union, a leading full-service credit union located in California's Central Valley.

Valley Strong's commitment under the forward flow program will enable CPS to expand its annual origination volumes by as much as $900 million. The program will focus on borrowers with prime credit, providing CPS the opportunity to serve borrowers in all tiers of the credit spectrum, through its AI enabled auto finance platform. Additionally, the program enhances CPS' ability to be a full spectrum lender and will further establish CPS as the preferred lender for its dealership partners. Finally, CPS will leverage its proprietary, AI enhanced loan and collections systems on behalf of Valley Strong to originate and service the prime automobile loans.