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

https://archive.ph/qqLnJ
hyperactive buck-toothed shitlib box office
  05/19/25
klarna's a bitch
Charcoal Theater Stage
  05/19/25
...
Pungent Hateful Den
  05/19/25
mondays
Concupiscible Trailer Park
  05/19/25
...
ruby voyeur
  05/19/25
...
multi-colored abode
  05/19/25
...
Frum plaza dingle berry
  05/20/25
...
mentally impaired big church building
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
useless turquoise ratface garrison
  05/19/25
good luck repossessing my Taco Bell
Jet national security agency
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
curious hall jap
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
irradiated azn library
  05/20/25
Why do you “have to” buy a new iPhone every coup...
glittery talking state ladyboy
  05/20/25
Because I break or lose the old one.
irradiated azn library
  05/20/25
>>> I still do not understand how we went from a wo...
curious hall jap
  05/20/25
...
Maniacal disrespectful faggot firefighter tanning salon
  05/20/25
...
cracking umber indian lodge nibblets
  05/20/25
Proles are literally financing tacos. What a world.
doobsian principal's office
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
Maniacal disrespectful faggot firefighter tanning salon
  05/20/25
Good
Thriller mint sandwich whorehouse
  05/20/25
"Klarna, which presented Monday’s earnings via an...
Aggressive gay wizard property
  05/20/25
it turns out banks arent just "evil" and lending t...
Ivory vivacious hunting ground
  05/20/25
They are also evil
curious hall jap
  05/20/25
Holy shit, not flame.
carmine deep stag film cumskin
  05/20/25
...
Maniacal disrespectful faggot firefighter tanning salon
  05/20/25
...
useless turquoise ratface garrison
  05/20/25
...
Pontificating home incel
  05/20/25
...
magical exciting university friendly grandma
  05/20/25
...
hideous casino community account
  05/20/25
...
mentally impaired big church building
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
irradiated azn library
  05/20/25
isn't that basically every loan?
mahogany native
  05/20/25
...
Maniacal disrespectful faggot firefighter tanning salon
  05/20/25
(finance mba)
Obsidian international law enforcement agency
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
Maniacal disrespectful faggot firefighter tanning salon
  05/20/25
they're obsessed with optimization but don't account for all...
zippy goal in life
  05/20/25
and because they're too autistic to understand and account f...
Maniacal disrespectful faggot firefighter tanning salon
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
yellow electric locus
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
Maniacal disrespectful faggot firefighter tanning salon
  05/20/25
...
cracking umber indian lodge nibblets
  05/20/25
this is actually their business model though their busine...
Frozen Adventurous Pozpig Fortuitous Meteor
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
Galvanic corner tank
  05/20/25
twist: they sell these loan portfolios to others so they don...
yellow electric locus
  05/20/25
...
Maniacal disrespectful faggot firefighter tanning salon
  05/20/25
This brilliant business model works until people no longer b...
curious hall jap
  05/20/25
just increase penalty fees to juice the returns to offset th...
yellow electric locus
  05/20/25
tsinah hack
lemon dragon famous landscape painting
  05/20/25
...
translucent field
  05/20/25
That's Anti-semitism
Naked blue dilemma
  05/20/25
I don't need "credit" anymore. Should I start doi...
translucent field
  05/20/25
I’m shocked that financing burritos for proles is not ...
stimulating coldplay fan
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
submissive dog poop ticket booth
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
stimulating coldplay fan
  05/21/25
Underreported part of this story is just how much Klarna and...
stimulating coldplay fan
  05/21/25
It was all worth it to keep line go up for a couple of extra...
carmine deep stag film cumskin
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: hyperactive buck-toothed shitlib box office

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: Charcoal Theater Stage

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: Pungent Hateful Den



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: Concupiscible Trailer Park

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: ruby voyeur



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: multi-colored abode



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: Frum plaza dingle berry



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: mentally impaired big church building



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: useless turquoise ratface garrison

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: Jet national security agency

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: curious hall jap

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: irradiated azn library

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: glittery talking state ladyboy

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: irradiated azn library

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: curious hall jap

>>> 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: Maniacal disrespectful faggot firefighter tanning salon



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: cracking umber indian lodge nibblets



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: doobsian principal's office

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: Maniacal disrespectful faggot firefighter tanning salon

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: Thriller mint sandwich whorehouse

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: Aggressive gay wizard property

"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: Ivory vivacious hunting ground

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: curious hall jap

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: carmine deep stag film cumskin

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: Maniacal disrespectful faggot firefighter tanning salon



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: useless turquoise ratface garrison



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: Pontificating home incel



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: magical exciting university friendly grandma



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: hideous casino community account



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: mentally impaired big church building



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: irradiated azn library

**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: mahogany native

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: Maniacal disrespectful faggot firefighter tanning salon



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: Obsidian international law enforcement agency

(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: Maniacal disrespectful faggot firefighter tanning salon

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: zippy goal in life

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: Maniacal disrespectful faggot firefighter tanning salon

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: yellow electric locus

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: Maniacal disrespectful faggot firefighter tanning salon

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: cracking umber indian lodge nibblets



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: Frozen Adventurous Pozpig Fortuitous Meteor

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: Galvanic corner tank

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: yellow electric locus

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: Maniacal disrespectful faggot firefighter tanning salon



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: curious hall jap

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: yellow electric locus

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: lemon dragon famous landscape painting

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: translucent field



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Naked blue dilemma

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: translucent field

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 coldplay fan

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: submissive dog poop ticket booth

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 coldplay fan

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 coldplay fan

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: carmine deep stag film cumskin

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)