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

https://archive.ph/qqLnJ
fluffy menage stock car
  05/19/25
klarna's a bitch
nofapping opaque state roommate
  05/19/25
...
vivacious center laser beams
  05/19/25
mondays
Smoky razzmatazz selfie
  05/19/25
...
Dun resort
  05/19/25
...
motley yellow community account milk
  05/19/25
...
Salmon Contagious Sanctuary
  05/20/25
...
Chestnut Titillating Therapy Jew
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
khaki lay cuckold
  05/19/25
good luck repossessing my Taco Bell
Cobalt exhilarant fanboi filthpig
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
Nighttime Low-t Pervert
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
self-centered address half-breed
  05/20/25
Why do you “have to” buy a new iPhone every coup...
Frozen appetizing university toaster
  05/20/25
Because I break or lose the old one.
self-centered address half-breed
  05/20/25
>>> I still do not understand how we went from a wo...
Nighttime Low-t Pervert
  05/20/25
...
Brindle nudist pit
  05/20/25
...
Violet pistol step-uncle's house
  05/20/25
Proles are literally financing tacos. What a world.
Charcoal rebellious scourge upon the earth
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
Brindle nudist pit
  05/20/25
Good
Spectacular prole lodge
  05/20/25
"Klarna, which presented Monday’s earnings via an...
Effete space lettuce
  05/20/25
it turns out banks arent just "evil" and lending t...
irradiated brilliant school place of business
  05/20/25
They are also evil
Nighttime Low-t Pervert
  05/20/25
Holy shit, not flame.
sable site
  05/20/25
...
Brindle nudist pit
  05/20/25
...
khaki lay cuckold
  05/20/25
...
Buck-toothed 180 whorehouse
  05/20/25
...
demanding abode double fault
  05/20/25
...
splenetic french chef
  05/20/25
...
Chestnut Titillating Therapy Jew
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
self-centered address half-breed
  05/20/25
isn't that basically every loan?
Laughsome ruddy pocket flask cruise ship
  05/20/25
...
Brindle nudist pit
  05/20/25
(finance mba)
Odious green candlestick maker temple
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
Brindle nudist pit
  05/20/25
they're obsessed with optimization but don't account for all...
bisexual rose trailer park
  05/20/25
and because they're too autistic to understand and account f...
Brindle nudist pit
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
mischievous soul-stirring chad headpube
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
Brindle nudist pit
  05/20/25
...
Violet pistol step-uncle's house
  05/20/25
this is actually their business model though their busine...
pink coffee pot forum
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
House-broken Nowag
  05/20/25
twist: they sell these loan portfolios to others so they don...
mischievous soul-stirring chad headpube
  05/20/25
...
Brindle nudist pit
  05/20/25
This brilliant business model works until people no longer b...
Nighttime Low-t Pervert
  05/20/25
just increase penalty fees to juice the returns to offset th...
mischievous soul-stirring chad headpube
  05/20/25
tsinah hack
ultramarine heady national puppy
  05/20/25
...
Glittery Clown
  05/20/25
That's Anti-semitism
aggressive location gunner
  05/20/25
I don't need "credit" anymore. Should I start doi...
Glittery Clown
  05/20/25
I’m shocked that financing burritos for proles is not ...
Stimulating fear-inspiring fortuitous meteor
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
Dashing Pea-brained Tattoo
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
Stimulating fear-inspiring fortuitous meteor
  05/21/25
Underreported part of this story is just how much Klarna and...
Stimulating fear-inspiring fortuitous meteor
  05/21/25
It was all worth it to keep line go up for a couple of extra...
sable site
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: fluffy menage stock car

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: nofapping opaque state roommate

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: vivacious center laser beams



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: Smoky razzmatazz selfie

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: Dun resort



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: motley yellow community account milk



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: Salmon Contagious Sanctuary



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Chestnut Titillating Therapy Jew



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: khaki lay cuckold

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: Cobalt exhilarant fanboi filthpig

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: Nighttime Low-t Pervert

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: self-centered address half-breed

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: Frozen appetizing university toaster

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: self-centered address half-breed

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: Nighttime Low-t Pervert

>>> 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: Brindle nudist pit



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Violet pistol step-uncle's house



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: Charcoal rebellious scourge upon the earth

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: Brindle nudist pit

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: Spectacular prole lodge

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: Effete space lettuce

"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: irradiated brilliant school place of business

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: Nighttime Low-t Pervert

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: sable site

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: Brindle nudist pit



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: khaki lay cuckold



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: Buck-toothed 180 whorehouse



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: demanding abode double fault



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: splenetic french chef



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Chestnut Titillating Therapy Jew



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: self-centered address half-breed

**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: Laughsome ruddy pocket flask cruise ship

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: Brindle nudist pit



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: Odious green candlestick maker temple

(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: Brindle nudist pit

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: bisexual rose trailer park

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: Brindle nudist pit

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: mischievous soul-stirring chad headpube

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: Brindle nudist pit

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: Violet pistol step-uncle's house



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: pink coffee pot forum

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: House-broken Nowag

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: mischievous soul-stirring chad headpube

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: Brindle nudist pit



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: Nighttime Low-t Pervert

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: mischievous soul-stirring chad headpube

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: ultramarine heady national puppy

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: Glittery Clown



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: aggressive location gunner

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: Glittery Clown

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: Stimulating fear-inspiring fortuitous meteor

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: Dashing Pea-brained Tattoo

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: Stimulating fear-inspiring fortuitous meteor

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: Stimulating fear-inspiring fortuitous meteor

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: sable site

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)