EXHIBIT 31.2

CERTIFICATION PURSUANT TO RULE 13a-14(a) OF THE SECURITIES EXCHANGE ACT OF 1934

AS ADOPTED PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Denesh Bharwani, certify that:

1.        I have reviewed this Amendment No. 2 to the Annual Report on Form 10-K for the fiscal year ended December 31, 2022 of Consumer Portfolio Services, Inc.;

2.        Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

Date: May 1, 2023	/s/ Denesh Bharwani
	Denesh Bharwani
	Executive Vice President and
	Chief Financial Officer