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          <link:definition>995550 - Disclosure - Interest Income and Interest Expense (Details - Interest income)</link:definition>
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          <link:definition>995552 - Disclosure - Earnings Per Share (Details)</link:definition>
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          <link:definition>995554 - Disclosure - Income Taxes (Details Narrative)</link:definition>
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          <link:definition>995555 - Disclosure - Legal Proceedings (Details Narrative)</link:definition>
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          <link:definition>995557 - Disclosure - Fair Value Measurements (Details - Finance receivables to their contractual balances)</link:definition>
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    <element id="cpss_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearSeven" name="LongTermDebtMaturitiesRepaymentsOfPrincipalInYearSeven" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SecuritizationOfResidualInterests" name="SecuritizationOfResidualInterests" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_SecuritizationOfResidualInterestsOutstanding" name="SecuritizationOfResidualInterestsOutstanding" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ProbableLegalContingencies" name="ProbableLegalContingencies" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_MaximumPossibleLossesForLegalProceedingsAndContingencies" name="MaximumPossibleLossesForLegalProceedingsAndContingencies" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_PaymentsOnFinanceReceivablesAtFairValue" name="PaymentsOnFinanceReceivablesAtFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_MarkToFairValue" name="MarkToFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesContractualBalance" name="FinanceReceivablesContractualBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_DiscountRateOnFinanceReceivables" name="DiscountRateOnFinanceReceivables" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_CumulativeNetLossesOnFinanceReceivables" name="CumulativeNetLossesOnFinanceReceivables" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_FinanceReceivablesFairValueDisclosure" name="FinanceReceivablesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
    <element id="cpss_ResidualsInterestFinancing" name="ResidualsInterestFinancing" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
</schema>
