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

https://archive.ph/qqLnJ
Electric plum keepsake machete
  05/19/25
klarna's a bitch
Well-lubricated chrome space
  05/19/25
...
Poppy Casino
  05/19/25
mondays
Gold nighttime stead pistol
  05/19/25
...
flesh hall famous landscape painting
  05/19/25
...
internet-worthy cerise kitchen ape
  05/19/25
...
high-end pearl private investor
  05/20/25
...
Glittery house preventive strike
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
Motley business firm
  05/19/25
good luck repossessing my Taco Bell
Trip ratface mad cow disease
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
Thriller gunner pervert
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
stirring ultramarine legend indian lodge
  05/20/25
Why do you “have to” buy a new iPhone every coup...
magical cuckoldry stage
  05/20/25
Because I break or lose the old one.
stirring ultramarine legend indian lodge
  05/20/25
>>> I still do not understand how we went from a wo...
Thriller gunner pervert
  05/20/25
...
bronze abusive party of the first part main people
  05/20/25
...
Mentally impaired telephone sneaky criminal
  05/20/25
Proles are literally financing tacos. What a world.
Vibrant offensive kitty
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
bronze abusive party of the first part main people
  05/20/25
Good
Contagious field
  05/20/25
"Klarna, which presented Monday’s earnings via an...
rough-skinned home crotch
  05/20/25
it turns out banks arent just "evil" and lending t...
Splenetic ruby tanning salon clown
  05/20/25
They are also evil
Thriller gunner pervert
  05/20/25
Holy shit, not flame.
scarlet aphrodisiac psychic
  05/20/25
...
bronze abusive party of the first part main people
  05/20/25
...
Motley business firm
  05/20/25
...
obsidian pontificating address cuckold
  05/20/25
...
Brindle aggressive chapel national security agency
  05/20/25
...
Godawful translucent whorehouse partner
  05/20/25
...
Glittery house preventive strike
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
stirring ultramarine legend indian lodge
  05/20/25
isn't that basically every loan?
Naked boyish laser beams
  05/20/25
...
bronze abusive party of the first part main people
  05/20/25
(finance mba)
Razzle-dazzle market
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
bronze abusive party of the first part main people
  05/20/25
they're obsessed with optimization but don't account for all...
Tan set
  05/20/25
and because they're too autistic to understand and account f...
bronze abusive party of the first part main people
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
Claret Multi-colored Hell
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
bronze abusive party of the first part main people
  05/20/25
...
Mentally impaired telephone sneaky criminal
  05/20/25
this is actually their business model though their busine...
Bright Weed Whacker
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
Avocado racy headpube
  05/20/25
twist: they sell these loan portfolios to others so they don...
Claret Multi-colored Hell
  05/20/25
...
bronze abusive party of the first part main people
  05/20/25
This brilliant business model works until people no longer b...
Thriller gunner pervert
  05/20/25
just increase penalty fees to juice the returns to offset th...
Claret Multi-colored Hell
  05/20/25
tsinah hack
mind-boggling queen of the night liquid oxygen
  05/20/25
...
provocative bipolar corner azn
  05/20/25
That's Anti-semitism
Red Floppy Son Of Senegal
  05/20/25
I don't need "credit" anymore. Should I start doi...
provocative bipolar corner azn
  05/20/25
I’m shocked that financing burritos for proles is not ...
big multi-billionaire
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
Vermilion heaven roast beef
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
big multi-billionaire
  05/21/25
Underreported part of this story is just how much Klarna and...
big multi-billionaire
  05/21/25
It was all worth it to keep line go up for a couple of extra...
scarlet aphrodisiac psychic
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: Electric plum keepsake machete

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 chrome space

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: Poppy Casino



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: Gold nighttime stead pistol

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: flesh hall famous landscape painting



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: internet-worthy cerise kitchen ape



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: high-end pearl private investor



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Glittery house preventive strike



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: Motley business firm

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: Trip ratface mad cow disease

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: Thriller gunner 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: stirring ultramarine legend indian lodge

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: magical cuckoldry stage

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: stirring ultramarine legend indian lodge

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: Thriller gunner 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: bronze abusive party of the first part 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: Mentally impaired telephone sneaky criminal



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: Vibrant offensive kitty

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: bronze abusive party of the first part 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: Contagious field

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: rough-skinned home crotch

"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: Splenetic ruby tanning salon clown

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: Thriller gunner 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: scarlet aphrodisiac psychic

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: bronze abusive party of the first part 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: Motley business firm



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: obsidian pontificating address cuckold



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Brindle aggressive chapel national security agency



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: Godawful translucent whorehouse partner



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Glittery house preventive strike



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: stirring ultramarine legend indian lodge

**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: Naked boyish laser beams

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: bronze abusive party of the first part 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: Razzle-dazzle market

(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: bronze abusive party of the first part 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: Tan set

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: bronze abusive party of the first part 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: Claret Multi-colored Hell

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: bronze abusive party of the first part 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: Mentally impaired telephone sneaky criminal



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: Bright Weed Whacker

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: Avocado racy headpube

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: Claret Multi-colored Hell

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: bronze abusive party of the first part 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: Thriller gunner 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: Claret Multi-colored Hell

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: mind-boggling queen of the night liquid oxygen

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: provocative bipolar corner azn



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Red Floppy Son Of Senegal

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: provocative bipolar corner azn

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: big multi-billionaire

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: Vermilion heaven roast beef

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: big multi-billionaire

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: big multi-billionaire

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: scarlet aphrodisiac psychic

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)