Tax season brings a surge of motivated shoppers who use refunds for down payments and vehicle purchases. In 2025 the average federal refund climbed to roughly $3,052 by mid-October, with more than 102 million refunds issued and $311.6 billion paid out, underscoring the scale of buyer liquidity that flows into the market each spring.
How Auto Dealers Can Sell More Cars This Tax Season Read More »
Understanding how delinquency trends impact portfolio performance is key to protecting profitability and accessing capital for today’s car dealers. While fluctuations in payment behavior are normal, staying informed about trends and portfolio performance is essential for maintaining profitability and ensuring continued access to capital.
Subprime Auto Finance Delinquency Trends Dealers Should Watch Read More »
Innovative subprime auto finance alternatives offer independent car dealers a more powerful way to expand their customer base and increase sales.
Advanced Subprime Financing Strategies for Independent Auto Dealers Read More »
Auto finance is evolving rapidly, driven by rising consumer expectations and increasing regulatory demands. To stay competitive, originators and dealers are embracing AI-powered technology and communication platforms that deliver greater efficiency, reduce risk, and enhance borrower engagement.
Featured Article By Matt Burke, President & Chief Operating Officer, Agora Data For today’s independent dealer, resilience isn’t optional—it’s essential. With affordability challenges and selective credit standards reshaping the market, dealers that prioritize strong partnerships, advanced technology, and disciplined fundamentals are positioned to lead. Here’s how you can strengthen lending relationships, adopt smarter tools,
Resilience in Action: How Used Car Dealers Can Thrive in Today’s Auto Finance Market Read More »
As the auto finance market evolves, financial institutions and dealers are increasingly exploring ways to monetize or exit their auto portfolios.
A Quick Guide to Selling Auto Finance Portfolios in 2026 Read More »
Quantitative modeling is the use of mathematical and statistical techniques to analyze data and predict outcomes in auto lending. For dealers and lenders, it means making smarter decisions based on real numbers rather than gut feelings.
What Is Quantitative Modeling in Auto Finance? A Dealer’s Guide to Smarter Lending Read More »
Auto loan securitization might sound like a Wall Street term, but it’s quickly becoming a game-changer for independent auto dealers. In simple terms, securitization allows dealers and lenders to bundle auto contracts and sell them as investment products—unlocking capital, reducing risk, and creating new growth opportunities.
Auto Loan Securitization Explained: Why It Matters for Auto Dealers Read More »
We’re proud to announce that Agora Data has been named to the 2025 AR500, Auto Remarketing’s annual list of the Used-Car Industry’s Most Influential Companies. This recognition places Agora among the top innovators and leaders shaping the future of auto finance. Our inclusion in the AR500 reflects the significant impact we’ve made by helping independent
Agora Data Named to AR500: Driving Dealer Success in the Used-Car Industry Read More »
New Research by Dimitri Bianco and Agora Data Retail credit models have come a long way. We’ve moved from intuition-based scorecards to statistical models and machine learning. Yet even with all this progress, most models still simplify borrower behavior too much, which can lead to missed risks and lost opportunities. In Waves, Quantum Theory, and
Waves, Quantum Theory, and Retail Credit Read More »
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