A Founding Perspective: Reflections on 37 Years in Subprime Auto Finance

The non-prime auto finance industry has evolved in meaningful ways over the past several decades—shaped by market cycles, regulatory change, innovation, and the leaders who helped build it.

In a recent article published by Non-Prime Times, Jim Bass of Agora Data, a founding member of the NAF Association and longtime member of our Board of Directors, shares his reflections on 37 years in 

subprime auto finance. Drawing from decades of firsthand experience, Jim offers thoughtful insights on how the industry has matured, the lessons learned along the way, and the values that have remained constant.

"Along the way, I’ve learned that adaptability isn’t just important —it’s everything," says Jim Bass.

Jim's perspective reflects both the entrepreneurial spirit and collaborative mindset that helped shape the foundation of the NAF Association. His reflections serve as a valuable resource for newer professionals entering the industry, as well as a meaningful look back for those who have been part of its growth over time.

We encourage you to take a few minutes to read Jim’s full article and reflect on the experience, leadership, and history it represents.

Read the full article in Non-Prime Times

We’re grateful to leaders like Jim who continue to share their perspective, contribute their time, and help guide the future of the non-prime auto finance community.