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People aren’t repaying their “buy now, pay later” loans

https://archive.ph/qqLnJ
maize knife
  05/19/25
klarna's a bitch
adventurous vermilion spot filthpig
  05/19/25
...
dashing disrespectful boiling water jewess
  05/19/25
mondays
histrionic nibblets patrolman
  05/19/25
...
curious domesticated regret
  05/19/25
...
awkward whorehouse
  05/19/25
...
Judgmental Location Azn
  05/20/25
...
swashbuckling amethyst hunting ground
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
marvelous resort
  05/19/25
good luck repossessing my Taco Bell
insane giraffe
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
narrow-minded filthy hospital prole
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
coral pit
  05/20/25
Why do you “have to” buy a new iPhone every coup...
lascivious splenetic idea he suggested abode
  05/20/25
Because I break or lose the old one.
coral pit
  05/20/25
>>> I still do not understand how we went from a wo...
narrow-minded filthy hospital prole
  05/20/25
...
Vigorous Cruise Ship Wagecucks
  05/20/25
...
excitant haunting university reading party
  05/20/25
Proles are literally financing tacos. What a world.
Nofapping pale hall
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
Vigorous Cruise Ship Wagecucks
  05/20/25
Good
purple dopamine codepig
  05/20/25
"Klarna, which presented Monday’s earnings via an...
Stimulating onyx pozpig goyim
  05/20/25
it turns out banks arent just "evil" and lending t...
Honey-headed Address
  05/20/25
They are also evil
narrow-minded filthy hospital prole
  05/20/25
Holy shit, not flame.
cobalt provocative indian lodge new version
  05/20/25
...
Vigorous Cruise Ship Wagecucks
  05/20/25
...
marvelous resort
  05/20/25
...
house-broken razzle faggotry partner
  05/20/25
...
vengeful bright goal in life turdskin
  05/20/25
...
Rough-skinned cuckold
  05/20/25
...
swashbuckling amethyst hunting ground
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
coral pit
  05/20/25
isn't that basically every loan?
Garnet Hideous Rehab Double Fault
  05/20/25
...
Vigorous Cruise Ship Wagecucks
  05/20/25
(finance mba)
misunderstood lodge
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
Vigorous Cruise Ship Wagecucks
  05/20/25
they're obsessed with optimization but don't account for all...
diverse site
  05/20/25
and because they're too autistic to understand and account f...
Vigorous Cruise Ship Wagecucks
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
naked theater really tough guy
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
Vigorous Cruise Ship Wagecucks
  05/20/25
...
excitant haunting university reading party
  05/20/25
this is actually their business model though their busine...
Soul-stirring Roast Beef
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
plum pontificating mexican
  05/20/25
twist: they sell these loan portfolios to others so they don...
naked theater really tough guy
  05/20/25
...
Vigorous Cruise Ship Wagecucks
  05/20/25
This brilliant business model works until people no longer b...
narrow-minded filthy hospital prole
  05/20/25
just increase penalty fees to juice the returns to offset th...
naked theater really tough guy
  05/20/25
tsinah hack
Mind-boggling brunch
  05/20/25
...
hairraiser charcoal lay
  05/20/25
That's Anti-semitism
Cracking field
  05/20/25
I don't need "credit" anymore. Should I start doi...
hairraiser charcoal lay
  05/20/25
I’m shocked that financing burritos for proles is not ...
very tactful aqua cuck
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
Racy irate rigpig
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
very tactful aqua cuck
  05/21/25
Underreported part of this story is just how much Klarna and...
very tactful aqua cuck
  05/21/25
It was all worth it to keep line go up for a couple of extra...
cobalt provocative indian lodge new version
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: maize knife

https://archive.ph/qqLnJ

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946034)



Reply Favorite

Date: May 19th, 2025 10:23 PM
Author: adventurous vermilion spot filthpig

klarna's a bitch

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946044)



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: dashing disrespectful boiling water jewess



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946050)



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: histrionic nibblets patrolman

mondays

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946045)



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: curious domesticated regret



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946047)



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: awkward whorehouse



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946057)



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: Judgmental Location Azn



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946430)



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: swashbuckling amethyst hunting ground



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948556)



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: marvelous resort

you mean my tranche of burrito loans doesnt deserve that AAA rating?

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946049)



Reply Favorite

Date: May 19th, 2025 10:37 PM
Author: insane giraffe

good luck repossessing my Taco Bell



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946078)



Reply Favorite

Date: May 20th, 2025 2:12 AM
Author: narrow-minded filthy hospital prole

Michael Burry currently making millions shorting Chipotle Burrito Bowl CLOs

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946385)



Reply Favorite

Date: May 20th, 2025 2:26 AM
Author: coral pit

Good. Jesus Christ.

Every couple years when I have to buy a new iPhone, and I ask whether there's any promotion available to where I don't have to pay full-freight if I buy like last year's model or whatever -- I still do not understand how we went from a world where the cost of the phone itself was a perk of renewing your contract to one where I have to pay a thousand dollars -- it pisses me off on a pretty deep level that the response from the ambiguously brown tattooed salesperson is that, yeah of course!, you can get on a $19/month (5-year) payment plan.

I have a real hard time not rooting for d'Angelow just going "yea Ima take that shit; niteteen dollar?" and then never paying ever again.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946391)



Reply Favorite

Date: May 20th, 2025 2:37 AM
Author: lascivious splenetic idea he suggested abode

Why do you “have to” buy a new iPhone every couple of years

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946397)



Reply Favorite

Date: May 20th, 2025 3:34 AM
Author: coral pit

Because I break or lose the old one.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946424)



Reply Favorite

Date: May 20th, 2025 4:02 AM
Author: narrow-minded filthy hospital prole

>>> I still do not understand how we went from a world where the cost of the phone itself was a perk of renewing your contract to one where I have to pay a thousand dollars

It still is if you buy an Android phone. Otherwise there is a reason Apple is worth what it is

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946436)



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: Vigorous Cruise Ship Wagecucks



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946654)



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: excitant haunting university reading party



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948546)



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: Nofapping pale hall

Proles are literally financing tacos. What a world.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946399)



Reply Favorite

Date: May 20th, 2025 8:56 AM
Author: Vigorous Cruise Ship Wagecucks

ubereats as a tab for SNAP which seems like a red flag for things about to get kooky

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946656)



Reply Favorite

Date: May 20th, 2025 3:36 AM
Author: purple dopamine codepig

Good

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946426)



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: Stimulating onyx pozpig goyim

"Klarna, which presented Monday’s earnings via an AI-generated avatar of its chief executive, has bet heavily on artificial intelligence and has said the technology helps to cut costs.

The group reduced its total headcount by 39 per cent in the past two years, while its customer service costs were down 12 per cent in the first quarter compared with the same period a year earlier."

lol. a holographic dancing anime CEO informing you that your job has been terminated.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946434)



Reply Favorite

Date: May 20th, 2025 8:48 AM
Author: Honey-headed Address

it turns out banks arent just "evil" and lending to poor retarded people was risky all along?

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946645)



Reply Favorite

Date: May 20th, 2025 5:31 PM
Author: narrow-minded filthy hospital prole

They are also evil

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948507)



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: cobalt provocative indian lodge new version

Holy shit, not flame.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946655)



Reply Favorite

Date: May 20th, 2025 8:56 AM
Author: Vigorous Cruise Ship Wagecucks



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946657)



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: marvelous resort



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946672)



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: house-broken razzle faggotry partner



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946695)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: vengeful bright goal in life turdskin



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946730)



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: Rough-skinned cuckold



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948535)



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: swashbuckling amethyst hunting ground



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948558)



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: coral pit

**lib sees that AI avatar is ambiguously multiracial and has queer mannerisms**

**nods with satisfaction**

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948572)



Reply Favorite

Date: May 20th, 2025 8:49 AM
Author: Garnet Hideous Rehab Double Fault

isn't that basically every loan?

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946646)



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: Vigorous Cruise Ship Wagecucks



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946652)



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: misunderstood lodge

(finance mba)

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948561)



Reply Favorite

Date: May 20th, 2025 8:58 AM
Author: Vigorous Cruise Ship Wagecucks

ever notice that tech Engineers fail like this constantly? it's because they Engineer the humanity out of things and can only autistically look at numbers on paper.

it's the same reason why zillow and carvana lost a lot of money attempting to automate house and car flipping. turns out that the "average trade in" on a car factors in a human checking it out first and without that people will sell you lemons the dealer passed on.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946660)



Reply Favorite

Date: May 20th, 2025 9:22 AM
Author: diverse site

they're obsessed with optimization but don't account for all the factors, usually because it makes their shitty "Saas" much harder to implement

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946686)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Vigorous Cruise Ship Wagecucks

and because they're too autistic to understand and account for things that cannot be quantified into data.

this is why everything is better on paper but in reality so much worse.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946726)



Reply Favorite

Date: May 20th, 2025 9:38 AM
Author: naked theater really tough guy

i am MAF i didnt invest in carvana. look is stock last 2-3 years. JFC

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946731)



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Vigorous Cruise Ship Wagecucks

lmfao holy shit!

i thought of carvana when i made this poast because i just listened to something about carvana's recovery but i had no idea it was so dramatic.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946742)



Reply Favorite

Date: May 20th, 2025 5:40 PM
Author: excitant haunting university reading party



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948549)



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: Soul-stirring Roast Beef

this is actually their business model though

their business model isn't to charge people interest. it's to ding them with "late fees" when they don't pay

it's unclear how they're going to enforce things or actually get the money, though. like you can charge 60 IQ niggers all the "late fees" you want on their chipotle burrito purchases. they can just....not pay you

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946716)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: plum pontificating mexican

you are dreaming if you think it's only dumb Blacks, prole whites have Ruinous credit and are even more likely to not pay it back because they know the consequences are minimal

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946728)



Reply Favorite

Date: May 20th, 2025 9:38 AM
Author: naked theater really tough guy

twist: they sell these loan portfolios to others so they dont even bear the credit risk

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946733)



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Vigorous Cruise Ship Wagecucks



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946740)



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: narrow-minded filthy hospital prole

This brilliant business model works until people no longer buy their debt, or force them to price it so high it becomes uneconomical

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948514)



Reply Favorite

Date: May 20th, 2025 5:56 PM
Author: naked theater really tough guy

just increase penalty fees to juice the returns to offset the increased bad debt bro

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948585)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Mind-boggling brunch

tsinah hack

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946729)



Reply Favorite

Date: May 20th, 2025 5:35 PM
Author: hairraiser charcoal lay



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948522)



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Cracking field

That's Anti-semitism

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48946743)



Reply Favorite

Date: May 20th, 2025 5:34 PM
Author: hairraiser charcoal lay

I don't need "credit" anymore. Should I start doing this?

What's the best way to scam them before they stop paying for my stuff?

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948520)



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: very tactful aqua cuck

I’m shocked that financing burritos for proles is not working out

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948545)



Reply Favorite

Date: May 20th, 2025 7:49 PM
Author: Racy irate rigpig

Is Affirm in equally bad shape or is this specific to Klarna?

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48948912)



Reply Favorite

Date: May 21st, 2025 6:54 AM
Author: very tactful aqua cuck

lol, it’s the model that’s fucked. Maybe one had worse underwriting standards than the other but both are wrecked when checking accounts are empty

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48950142)



Reply Favorite

Date: May 21st, 2025 6:58 AM
Author: very tactful aqua cuck

Underreported part of this story is just how much Klarna and Affirm juiced consumer retail spending. The model works by paying retailers 80-90 percent of the price instantly and pocketing the difference, so by inducing proles to spend more money than they have, retail sales stayed healthy. If prole bank accounts are empty and klarna and affirm need to preserve cash they have to increase underwriting standards and retail sales will take a prole sized nose-dive.

The recession we’re in could end up being a very large one and very difficult to climb out of if the fed keeps rates high. Trump is going to fire the Fed Reserve by this fall.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48950145)



Reply Favorite

Date: May 21st, 2025 7:24 AM
Author: cobalt provocative indian lodge new version

It was all worth it to keep line go up for a couple of extra months.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2)#48950163)