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

https://archive.ph/qqLnJ
Rebellious aphrodisiac coffee pot karate
  05/19/25
klarna's a bitch
Vigorous Vermilion Business Firm
  05/19/25
...
White corn cake affirmative action
  05/19/25
mondays
Floppy at-the-ready electric furnace rigor
  05/19/25
...
bonkers hairy legs
  05/19/25
...
Curious Bearded Potus Whorehouse
  05/19/25
...
sepia pit
  05/20/25
...
sapphire cerebral hospital quadroon
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
Bespoke Mentally Impaired Point Cumskin
  05/19/25
good luck repossessing my Taco Bell
adventurous amber piazza
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
Erotic hairraiser boltzmann digit ratio
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
territorial reading party foreskin
  05/20/25
Why do you “have to” buy a new iPhone every coup...
smoky center
  05/20/25
Because I break or lose the old one.
territorial reading party foreskin
  05/20/25
>>> I still do not understand how we went from a wo...
Erotic hairraiser boltzmann digit ratio
  05/20/25
...
azure embarrassed to the bone skinny woman
  05/20/25
...
Big buff theatre filthpig
  05/20/25
Proles are literally financing tacos. What a world.
Fragrant milk toaster
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
azure embarrassed to the bone skinny woman
  05/20/25
Good
gold motley orchestra pit
  05/20/25
"Klarna, which presented Monday’s earnings via an...
Slap-happy swollen address roommate
  05/20/25
it turns out banks arent just "evil" and lending t...
Drab disgusting den
  05/20/25
They are also evil
Erotic hairraiser boltzmann digit ratio
  05/20/25
Holy shit, not flame.
Filthy Galvanic Place Of Business
  05/20/25
...
azure embarrassed to the bone skinny woman
  05/20/25
...
Bespoke Mentally Impaired Point Cumskin
  05/20/25
...
balding sneaky criminal
  05/20/25
...
cheese-eating clown meetinghouse
  05/20/25
...
glittery base codepig
  05/20/25
...
sapphire cerebral hospital quadroon
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
territorial reading party foreskin
  05/20/25
isn't that basically every loan?
Out-of-control stead roast beef
  05/20/25
...
azure embarrassed to the bone skinny woman
  05/20/25
(finance mba)
iridescent home
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
azure embarrassed to the bone skinny woman
  05/20/25
they're obsessed with optimization but don't account for all...
beady-eyed maize shrine toilet seat
  05/20/25
and because they're too autistic to understand and account f...
azure embarrassed to the bone skinny woman
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
lascivious dilemma factory reset button
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
azure embarrassed to the bone skinny woman
  05/20/25
...
Big buff theatre filthpig
  05/20/25
this is actually their business model though their busine...
arrogant friendly grandma
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
Stimulating Station
  05/20/25
twist: they sell these loan portfolios to others so they don...
lascivious dilemma factory reset button
  05/20/25
...
azure embarrassed to the bone skinny woman
  05/20/25
This brilliant business model works until people no longer b...
Erotic hairraiser boltzmann digit ratio
  05/20/25
just increase penalty fees to juice the returns to offset th...
lascivious dilemma factory reset button
  05/20/25
tsinah hack
opaque senate
  05/20/25
...
deranged location juggernaut
  05/20/25
That's Anti-semitism
dun hall wrinkle
  05/20/25
I don't need "credit" anymore. Should I start doi...
deranged location juggernaut
  05/20/25
I’m shocked that financing burritos for proles is not ...
sienna cruise ship
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
saffron rough-skinned trailer park mood
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
sienna cruise ship
  05/21/25
Underreported part of this story is just how much Klarna and...
sienna cruise ship
  05/21/25
It was all worth it to keep line go up for a couple of extra...
Filthy Galvanic Place Of Business
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: Rebellious aphrodisiac coffee pot karate

https://archive.ph/qqLnJ

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48946034)



Reply Favorite

Date: May 19th, 2025 10:23 PM
Author: Vigorous Vermilion Business Firm

klarna's a bitch

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48946044)



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: White corn cake affirmative action



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: Floppy at-the-ready electric furnace rigor

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: bonkers hairy legs



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: Curious Bearded Potus Whorehouse



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: sepia pit



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: sapphire cerebral hospital quadroon



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: Bespoke Mentally Impaired Point Cumskin

you mean my tranche of burrito loans doesnt deserve that AAA rating?

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48946049)



Reply Favorite

Date: May 19th, 2025 10:37 PM
Author: adventurous amber piazza

good luck repossessing my Taco Bell



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48946078)



Reply Favorite

Date: May 20th, 2025 2:12 AM
Author: Erotic hairraiser boltzmann digit ratio

Michael Burry currently making millions shorting Chipotle Burrito Bowl CLOs

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48946385)



Reply Favorite

Date: May 20th, 2025 2:26 AM
Author: territorial reading party foreskin

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=2Elisa#48946391)



Reply Favorite

Date: May 20th, 2025 2:37 AM
Author: smoky center

Why do you “have to” buy a new iPhone every couple of years

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48946397)



Reply Favorite

Date: May 20th, 2025 3:34 AM
Author: territorial reading party foreskin

Because I break or lose the old one.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48946424)



Reply Favorite

Date: May 20th, 2025 4:02 AM
Author: Erotic hairraiser boltzmann digit ratio

>>> 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=2Elisa#48946436)



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: azure embarrassed to the bone skinny woman



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Big buff theatre filthpig



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: Fragrant milk toaster

Proles are literally financing tacos. What a world.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48946399)



Reply Favorite

Date: May 20th, 2025 8:56 AM
Author: azure embarrassed to the bone skinny woman

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=2Elisa#48946656)



Reply Favorite

Date: May 20th, 2025 3:36 AM
Author: gold motley orchestra pit

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: Slap-happy swollen address roommate

"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=2Elisa#48946434)



Reply Favorite

Date: May 20th, 2025 8:48 AM
Author: Drab disgusting den

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=2Elisa#48946645)



Reply Favorite

Date: May 20th, 2025 5:31 PM
Author: Erotic hairraiser boltzmann digit ratio

They are also evil

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48948507)



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: Filthy Galvanic Place Of Business

Holy shit, not flame.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48946655)



Reply Favorite

Date: May 20th, 2025 8:56 AM
Author: azure embarrassed to the bone skinny woman



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: Bespoke Mentally Impaired Point Cumskin



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: balding sneaky criminal



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: cheese-eating clown meetinghouse



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: glittery base codepig



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: sapphire cerebral hospital quadroon



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: territorial reading party foreskin

**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=2Elisa#48948572)



Reply Favorite

Date: May 20th, 2025 8:49 AM
Author: Out-of-control stead roast beef

isn't that basically every loan?

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48946646)



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: azure embarrassed to the bone skinny woman



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: iridescent home

(finance mba)

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48948561)



Reply Favorite

Date: May 20th, 2025 8:58 AM
Author: azure embarrassed to the bone skinny woman

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=2Elisa#48946660)



Reply Favorite

Date: May 20th, 2025 9:22 AM
Author: beady-eyed maize shrine toilet seat

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=2Elisa#48946686)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: azure embarrassed to the bone skinny woman

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=2Elisa#48946726)



Reply Favorite

Date: May 20th, 2025 9:38 AM
Author: lascivious dilemma factory reset button

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=2Elisa#48946731)



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: azure embarrassed to the bone skinny woman

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=2Elisa#48946742)



Reply Favorite

Date: May 20th, 2025 5:40 PM
Author: Big buff theatre filthpig



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: arrogant friendly grandma

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=2Elisa#48946716)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Stimulating Station

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=2Elisa#48946728)



Reply Favorite

Date: May 20th, 2025 9:38 AM
Author: lascivious dilemma factory reset button

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=2Elisa#48946733)



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: azure embarrassed to the bone skinny woman



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: Erotic hairraiser boltzmann digit ratio

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=2Elisa#48948514)



Reply Favorite

Date: May 20th, 2025 5:56 PM
Author: lascivious dilemma factory reset button

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=2Elisa#48948585)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: opaque senate

tsinah hack

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48946729)



Reply Favorite

Date: May 20th, 2025 5:35 PM
Author: deranged location juggernaut



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: dun hall wrinkle

That's Anti-semitism

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48946743)



Reply Favorite

Date: May 20th, 2025 5:34 PM
Author: deranged location juggernaut

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=2Elisa#48948520)



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: sienna cruise ship

I’m shocked that financing burritos for proles is not working out

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48948545)



Reply Favorite

Date: May 20th, 2025 7:49 PM
Author: saffron rough-skinned trailer park mood

Is Affirm in equally bad shape or is this specific to Klarna?

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2Elisa#48948912)



Reply Favorite

Date: May 21st, 2025 6:54 AM
Author: sienna cruise ship

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=2Elisa#48950142)



Reply Favorite

Date: May 21st, 2025 6:58 AM
Author: sienna cruise ship

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=2Elisa#48950145)



Reply Favorite

Date: May 21st, 2025 7:24 AM
Author: Filthy Galvanic Place Of Business

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=2Elisa#48950163)