NAF 2025 may be behind us, but the conversations, connections, and clarity around subprime auto finance are just getting started.
This year’s conference in Plano brought together some of the sharpest minds in auto finance, from capital providers and lenders to data vendors and servicers, to talk strategy, performance, and the realities of a rapidly evolving lending landscape.
Key Takeaways from NAF 2025:
1. Delinquencies and Defaults Are Rising
We’re seeing early signs of stress across subprime portfolios. The message was clear: lenders need sharper, more responsive servicing strategies to stay ahead of risk.
2. AI Isn’t Replacing Agents, It’s Empowering Them
Lenders and servicers alike are investing in automation to improve compliance, borrower engagement, and collections efficiency without sacrificing the human touch.
3. Dealers Are Demanding More From Their Lending Partners
With tightening margins and more scrutiny on deal quality, transparency and servicing performance are now front-line issues, not just back-office concerns.
4. Backup Servicing and Capital Market Readiness Are No Longer Optional
Investors are asking tougher questions. A rock-solid backup servicing plan is now table stakes for warehouse and ABS funding.
Where Servicing Solutions Fits In:
We showed up ready to share how our flexible, compliant, and scalable servicing model helps lenders, from captives to independent finance companies, deliver superior performance across every lifecycle stage:
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Primary and Embedded Loan Servicing – White-labeled borrower experiences that align with your brand
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Delinquency Management and Collections – Trained agents, data-driven outreach, and empathetic recovery
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Repossession and Remarketing – Full lifecycle coordination from skip to sale
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Backup Servicing – Capital market ready and investor trusted
Thank you to all the lenders, partners, and future collaborators who connected with us. We’re excited to keep the conversations going.