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

https://archive.ph/qqLnJ
honey-headed seedy legal warrant cumskin
  05/19/25
klarna's a bitch
Arousing stain
  05/19/25
...
ebony messiness area
  05/19/25
mondays
Mewling locale
  05/19/25
...
fishy base codepig
  05/19/25
...
canary theater stage
  05/19/25
...
Bateful place of business philosopher-king
  05/20/25
...
Free-loading diverse stead
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
Stimulating station
  05/19/25
good luck repossessing my Taco Bell
Narrow-minded talented business firm
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
Rough-skinned wrinkle
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
hyperactive concupiscible nibblets
  05/20/25
Why do you “have to” buy a new iPhone every coup...
disturbing jew
  05/20/25
Because I break or lose the old one.
hyperactive concupiscible nibblets
  05/20/25
>>> I still do not understand how we went from a wo...
Rough-skinned wrinkle
  05/20/25
...
lemon razzle-dazzle hell circlehead
  05/20/25
...
crystalline duck-like milk
  05/20/25
Proles are literally financing tacos. What a world.
chrome cerebral mediation selfie
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
lemon razzle-dazzle hell circlehead
  05/20/25
Good
Milky Rehab
  05/20/25
"Klarna, which presented Monday’s earnings via an...
Hairraiser very tactful abode tank
  05/20/25
it turns out banks arent just "evil" and lending t...
claret soul-stirring school
  05/20/25
They are also evil
Rough-skinned wrinkle
  05/20/25
Holy shit, not flame.
Excitant Stag Film
  05/20/25
...
lemon razzle-dazzle hell circlehead
  05/20/25
...
Stimulating station
  05/20/25
...
dashing kink-friendly site roommate
  05/20/25
...
floppy ruby trust fund really tough guy
  05/20/25
...
Insecure Trailer Park Dysfunction
  05/20/25
...
Free-loading diverse stead
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
hyperactive concupiscible nibblets
  05/20/25
isn't that basically every loan?
citrine electric crackhouse ladyboy
  05/20/25
...
lemon razzle-dazzle hell circlehead
  05/20/25
(finance mba)
lime effete blood rage
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
lemon razzle-dazzle hell circlehead
  05/20/25
they're obsessed with optimization but don't account for all...
Lascivious death wish
  05/20/25
and because they're too autistic to understand and account f...
lemon razzle-dazzle hell circlehead
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
Bat shit crazy hateful love of her life
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
lemon razzle-dazzle hell circlehead
  05/20/25
...
crystalline duck-like milk
  05/20/25
this is actually their business model though their busine...
swashbuckling maize clown brunch
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
crimson metal office skinny woman
  05/20/25
twist: they sell these loan portfolios to others so they don...
Bat shit crazy hateful love of her life
  05/20/25
...
lemon razzle-dazzle hell circlehead
  05/20/25
This brilliant business model works until people no longer b...
Rough-skinned wrinkle
  05/20/25
just increase penalty fees to juice the returns to offset th...
Bat shit crazy hateful love of her life
  05/20/25
tsinah hack
dark dopamine laser beams
  05/20/25
...
Violent exhilarant library
  05/20/25
That's Anti-semitism
Opaque flatulent goyim corner
  05/20/25
I don't need "credit" anymore. Should I start doi...
Violent exhilarant library
  05/20/25
I’m shocked that financing burritos for proles is not ...
White Pungent Jewess Newt
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
Chartreuse cuckold
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
White Pungent Jewess Newt
  05/21/25
Underreported part of this story is just how much Klarna and...
White Pungent Jewess Newt
  05/21/25
It was all worth it to keep line go up for a couple of extra...
Excitant Stag Film
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: honey-headed seedy legal warrant cumskin

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: Arousing stain

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: ebony messiness area



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: Mewling locale

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: fishy base codepig



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: canary theater stage



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: Bateful place of business philosopher-king



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Free-loading diverse stead



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: Stimulating station

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: Narrow-minded talented business firm

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: Rough-skinned wrinkle

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: hyperactive concupiscible nibblets

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: disturbing jew

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: hyperactive concupiscible nibblets

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: Rough-skinned wrinkle

>>> 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: lemon razzle-dazzle hell circlehead



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: crystalline duck-like milk



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: chrome cerebral mediation selfie

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: lemon razzle-dazzle hell circlehead

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: Milky Rehab

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: Hairraiser very tactful abode tank

"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: claret soul-stirring school

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: Rough-skinned wrinkle

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: Excitant Stag Film

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: lemon razzle-dazzle hell circlehead



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: Stimulating station



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: dashing kink-friendly site roommate



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: floppy ruby trust fund really tough guy



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: Insecure Trailer Park Dysfunction



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Free-loading diverse stead



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: hyperactive concupiscible nibblets

**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: citrine electric crackhouse ladyboy

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: lemon razzle-dazzle hell circlehead



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: lime effete blood rage

(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: lemon razzle-dazzle hell circlehead

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: Lascivious death wish

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: lemon razzle-dazzle hell circlehead

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: Bat shit crazy hateful love of her life

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: lemon razzle-dazzle hell circlehead

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: crystalline duck-like milk



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: swashbuckling maize clown brunch

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: crimson metal office skinny woman

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: Bat shit crazy hateful love of her life

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: lemon razzle-dazzle hell circlehead



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: Rough-skinned wrinkle

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: Bat shit crazy hateful love of her life

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: dark dopamine laser beams

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: Violent exhilarant library



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Opaque flatulent goyim corner

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: Violent exhilarant library

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: White Pungent Jewess Newt

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: Chartreuse cuckold

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: White Pungent Jewess Newt

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: White Pungent Jewess Newt

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: Excitant Stag Film

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)