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

https://archive.ph/qqLnJ
Cerebral magenta center old irish cottage
  05/19/25
klarna's a bitch
bossy impressive locus
  05/19/25
...
Beady-eyed resort
  05/19/25
mondays
Amethyst hunting ground address
  05/19/25
...
Soul-stirring Faggotry
  05/19/25
...
poppy submissive hall
  05/19/25
...
fluffy forum clown
  05/20/25
...
Emerald multi-colored station chad
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
curious therapy ratface
  05/19/25
good luck repossessing my Taco Bell
rose impertinent juggernaut
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
bateful bipolar parlor
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
swashbuckling casino voyeur
  05/20/25
Why do you “have to” buy a new iPhone every coup...
burgundy parlour
  05/20/25
Because I break or lose the old one.
swashbuckling casino voyeur
  05/20/25
>>> I still do not understand how we went from a wo...
bateful bipolar parlor
  05/20/25
...
Exciting university main people
  05/20/25
...
appetizing associate athletic conference
  05/20/25
Proles are literally financing tacos. What a world.
hairraiser national
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
Exciting university main people
  05/20/25
Good
Puce arousing market ape
  05/20/25
"Klarna, which presented Monday’s earnings via an...
Dashing Thirsty Yarmulke
  05/20/25
it turns out banks arent just "evil" and lending t...
spectacular mexican theatre
  05/20/25
They are also evil
bateful bipolar parlor
  05/20/25
Holy shit, not flame.
fragrant location
  05/20/25
...
Exciting university main people
  05/20/25
...
curious therapy ratface
  05/20/25
...
Cowardly irate queen of the night
  05/20/25
...
alcoholic theater
  05/20/25
...
salmon new version mediation
  05/20/25
...
Emerald multi-colored station chad
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
swashbuckling casino voyeur
  05/20/25
isn't that basically every loan?
Sick Plaza
  05/20/25
...
Exciting university main people
  05/20/25
(finance mba)
stirring trump supporter
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
Exciting university main people
  05/20/25
they're obsessed with optimization but don't account for all...
shaky boltzmann
  05/20/25
and because they're too autistic to understand and account f...
Exciting university main people
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
racy home stain
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
Exciting university main people
  05/20/25
...
appetizing associate athletic conference
  05/20/25
this is actually their business model though their busine...
Aphrodisiac cream genital piercing
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
nofapping bawdyhouse bbw
  05/20/25
twist: they sell these loan portfolios to others so they don...
racy home stain
  05/20/25
...
Exciting university main people
  05/20/25
This brilliant business model works until people no longer b...
bateful bipolar parlor
  05/20/25
just increase penalty fees to juice the returns to offset th...
racy home stain
  05/20/25
tsinah hack
Charismatic Institution
  05/20/25
...
buff irradiated property
  05/20/25
That's Anti-semitism
Alcoholic Aquamarine Whorehouse
  05/20/25
I don't need "credit" anymore. Should I start doi...
buff irradiated property
  05/20/25
I’m shocked that financing burritos for proles is not ...
transparent rigpig preventive strike
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
Doobsian candlestick maker stag film
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
transparent rigpig preventive strike
  05/21/25
Underreported part of this story is just how much Klarna and...
transparent rigpig preventive strike
  05/21/25
It was all worth it to keep line go up for a couple of extra...
fragrant location
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: Cerebral magenta center old irish cottage

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: bossy impressive locus

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: Beady-eyed resort



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: Amethyst hunting ground address

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: Soul-stirring Faggotry



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: poppy submissive hall



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: fluffy forum clown



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Emerald multi-colored station chad



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: curious therapy ratface

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: rose impertinent juggernaut

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: bateful bipolar parlor

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: swashbuckling casino voyeur

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: burgundy parlour

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: swashbuckling casino voyeur

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: bateful bipolar parlor

>>> 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: Exciting university main people



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: appetizing associate athletic conference



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: hairraiser national

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: Exciting university main people

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: Puce arousing market ape

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: Dashing Thirsty Yarmulke

"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: spectacular mexican theatre

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: bateful bipolar parlor

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: fragrant location

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: Exciting university main people



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: curious therapy ratface



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: Cowardly irate queen of the night



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: alcoholic theater



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: salmon new version mediation



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Emerald multi-colored station chad



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: swashbuckling casino voyeur

**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: Sick Plaza

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: Exciting university main people



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: stirring trump supporter

(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: Exciting university main people

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: shaky boltzmann

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: Exciting university main people

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: racy home stain

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: Exciting university main people

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: appetizing associate athletic conference



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: Aphrodisiac cream genital piercing

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: nofapping bawdyhouse bbw

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: racy home stain

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: Exciting university main people



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: bateful bipolar parlor

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: racy home stain

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: Charismatic Institution

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: buff irradiated property



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Alcoholic Aquamarine Whorehouse

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: buff irradiated property

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: transparent rigpig preventive strike

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: Doobsian candlestick maker stag film

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: transparent rigpig preventive strike

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: transparent rigpig preventive strike

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: fragrant location

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)