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

https://archive.ph/qqLnJ
Yapping adventurous ape base
  05/19/25
klarna's a bitch
well-lubricated talking spot international law enforcement agency
  05/19/25
...
copper hunting ground
  05/19/25
mondays
dull hyperventilating mediation area
  05/19/25
...
impertinent resort
  05/19/25
...
Autistic seedy property
  05/19/25
...
swashbuckling bearded stead
  05/20/25
...
claret motley depressive
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
Splenetic lascivious market doctorate
  05/19/25
good luck repossessing my Taco Bell
Naked pozpig personal credit line
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
hairraiser light athletic conference crackhouse
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
Outnumbered institution
  05/20/25
Why do you “have to” buy a new iPhone every coup...
Multi-colored deep background story
  05/20/25
Because I break or lose the old one.
Outnumbered institution
  05/20/25
>>> I still do not understand how we went from a wo...
hairraiser light athletic conference crackhouse
  05/20/25
...
primrose whorehouse headpube
  05/20/25
...
electric chestnut trailer park
  05/20/25
Proles are literally financing tacos. What a world.
Lilac office
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
primrose whorehouse headpube
  05/20/25
Good
Metal scarlet cuckoldry faggotry
  05/20/25
"Klarna, which presented Monday’s earnings via an...
aquamarine heady public bath
  05/20/25
it turns out banks arent just "evil" and lending t...
duck-like shaky meetinghouse sweet tailpipe
  05/20/25
They are also evil
hairraiser light athletic conference crackhouse
  05/20/25
Holy shit, not flame.
Hot gunner sex offender
  05/20/25
...
primrose whorehouse headpube
  05/20/25
...
Splenetic lascivious market doctorate
  05/20/25
...
Nudist ruddy pervert
  05/20/25
...
Floppy jade marketing idea
  05/20/25
...
Tripping Rehab Persian
  05/20/25
...
claret motley depressive
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
Outnumbered institution
  05/20/25
isn't that basically every loan?
dead purple feces garrison
  05/20/25
...
primrose whorehouse headpube
  05/20/25
(finance mba)
underhanded house people who are hurt
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
primrose whorehouse headpube
  05/20/25
they're obsessed with optimization but don't account for all...
Cerebral juggernaut gas station
  05/20/25
and because they're too autistic to understand and account f...
primrose whorehouse headpube
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
soul-stirring locale
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
primrose whorehouse headpube
  05/20/25
...
electric chestnut trailer park
  05/20/25
this is actually their business model though their busine...
concupiscible mahogany nowag
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
nubile stage
  05/20/25
twist: they sell these loan portfolios to others so they don...
soul-stirring locale
  05/20/25
...
primrose whorehouse headpube
  05/20/25
This brilliant business model works until people no longer b...
hairraiser light athletic conference crackhouse
  05/20/25
just increase penalty fees to juice the returns to offset th...
soul-stirring locale
  05/20/25
tsinah hack
Charismatic Cordovan Degenerate
  05/20/25
...
french big national
  05/20/25
That's Anti-semitism
Fear-inspiring hall
  05/20/25
I don't need "credit" anymore. Should I start doi...
french big national
  05/20/25
I’m shocked that financing burritos for proles is not ...
disturbing blood rage stage
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
racy clear ticket booth milk
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
disturbing blood rage stage
  05/21/25
Underreported part of this story is just how much Klarna and...
disturbing blood rage stage
  05/21/25
It was all worth it to keep line go up for a couple of extra...
Hot gunner sex offender
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: Yapping adventurous ape base

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: well-lubricated talking spot international law enforcement agency

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: copper hunting ground



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: dull hyperventilating mediation area

mondays

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



Reply Favorite

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



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: Autistic seedy property



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: swashbuckling bearded stead



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: claret motley depressive



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: Splenetic lascivious market doctorate

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: Naked pozpig personal credit line

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: hairraiser light athletic conference crackhouse

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: Outnumbered institution

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: Multi-colored deep background story

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: Outnumbered institution

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: hairraiser light athletic conference crackhouse

>>> 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: primrose whorehouse headpube



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: electric chestnut trailer park



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: Lilac 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: primrose whorehouse headpube

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: Metal scarlet cuckoldry faggotry

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: aquamarine heady public bath

"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: duck-like shaky meetinghouse sweet tailpipe

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: hairraiser light athletic conference crackhouse

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: Hot gunner sex offender

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: primrose whorehouse headpube



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: Splenetic lascivious market doctorate



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: Nudist ruddy pervert



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Floppy jade marketing idea



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: Tripping Rehab Persian



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: claret motley depressive



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: Outnumbered institution

**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: dead purple feces garrison

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: primrose whorehouse headpube



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: underhanded house people who are hurt

(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: primrose whorehouse headpube

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: Cerebral juggernaut gas station

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: primrose whorehouse headpube

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: soul-stirring locale

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: primrose whorehouse headpube

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: electric chestnut trailer park



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: concupiscible mahogany nowag

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: nubile stage

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: soul-stirring locale

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: primrose whorehouse headpube



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: hairraiser light athletic conference crackhouse

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: soul-stirring locale

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 Cordovan Degenerate

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: french big national



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Fear-inspiring hall

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: french big national

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: disturbing blood rage stage

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 clear ticket booth milk

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: disturbing blood rage stage

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: disturbing blood rage stage

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: Hot gunner sex offender

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)