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

https://archive.ph/qqLnJ
motley set really tough guy
  05/19/25
klarna's a bitch
exhilarant soggy lodge feces
  05/19/25
...
Chestnut forum
  05/19/25
mondays
boyish fuchsia tanning salon
  05/19/25
...
Cobalt aggressive cruise ship
  05/19/25
...
Coiffed sadistic piazza
  05/19/25
...
sepia whorehouse boiling water
  05/20/25
...
slimy mental disorder dingle berry
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
Federal pistol mediation
  05/19/25
good luck repossessing my Taco Bell
cheese-eating station hissy fit
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
Big-titted At-the-ready Rehab
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
provocative point
  05/20/25
Why do you “have to” buy a new iPhone every coup...
olive bonkers headpube
  05/20/25
Because I break or lose the old one.
provocative point
  05/20/25
>>> I still do not understand how we went from a wo...
Big-titted At-the-ready Rehab
  05/20/25
...
Crimson Electric Windowlicker Alpha
  05/20/25
...
Insanely creepy beta national security agency
  05/20/25
Proles are literally financing tacos. What a world.
odious codepig church
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
Crimson Electric Windowlicker Alpha
  05/20/25
Good
Spruce Swashbuckling Lay
  05/20/25
"Klarna, which presented Monday’s earnings via an...
Passionate principal's office
  05/20/25
it turns out banks arent just "evil" and lending t...
bat shit crazy amber pozpig location
  05/20/25
They are also evil
Big-titted At-the-ready Rehab
  05/20/25
Holy shit, not flame.
henna erotic marketing idea athletic conference
  05/20/25
...
Crimson Electric Windowlicker Alpha
  05/20/25
...
Federal pistol mediation
  05/20/25
...
bull headed bawdyhouse
  05/20/25
...
dull internal respiration coffee pot
  05/20/25
...
Topaz menage
  05/20/25
...
slimy mental disorder dingle berry
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
provocative point
  05/20/25
isn't that basically every loan?
Rusted People Who Are Hurt Death Wish
  05/20/25
...
Crimson Electric Windowlicker Alpha
  05/20/25
(finance mba)
French Telephone Parlour
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
Crimson Electric Windowlicker Alpha
  05/20/25
they're obsessed with optimization but don't account for all...
multi-colored useless legend
  05/20/25
and because they're too autistic to understand and account f...
Crimson Electric Windowlicker Alpha
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
Heady address corn cake
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
Crimson Electric Windowlicker Alpha
  05/20/25
...
Insanely creepy beta national security agency
  05/20/25
this is actually their business model though their busine...
disgusting pit
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
shimmering school
  05/20/25
twist: they sell these loan portfolios to others so they don...
Heady address corn cake
  05/20/25
...
Crimson Electric Windowlicker Alpha
  05/20/25
This brilliant business model works until people no longer b...
Big-titted At-the-ready Rehab
  05/20/25
just increase penalty fees to juice the returns to offset th...
Heady address corn cake
  05/20/25
tsinah hack
Sable national halford
  05/20/25
...
Fighting idiot
  05/20/25
That's Anti-semitism
marvelous emerald half-breed
  05/20/25
I don't need "credit" anymore. Should I start doi...
Fighting idiot
  05/20/25
I’m shocked that financing burritos for proles is not ...
Scarlet area cuckoldry
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
talking green institution toilet seat
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
Scarlet area cuckoldry
  05/21/25
Underreported part of this story is just how much Klarna and...
Scarlet area cuckoldry
  05/21/25
It was all worth it to keep line go up for a couple of extra...
henna erotic marketing idea athletic conference
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: motley set really tough guy

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: exhilarant soggy lodge feces

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: Chestnut forum



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: boyish fuchsia tanning salon

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: Cobalt aggressive cruise ship



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: Coiffed sadistic piazza



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: sepia whorehouse boiling water



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: slimy mental disorder dingle berry



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: Federal pistol mediation

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: cheese-eating station hissy fit

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: Big-titted At-the-ready Rehab

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: provocative point

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: olive bonkers headpube

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: provocative point

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: Big-titted At-the-ready Rehab

>>> 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: Crimson Electric Windowlicker Alpha



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Insanely creepy beta national security agency



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: odious codepig church

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: Crimson Electric Windowlicker Alpha

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: Spruce Swashbuckling Lay

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: Passionate principal's office

"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: bat shit crazy amber pozpig location

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: Big-titted At-the-ready Rehab

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: henna erotic marketing idea athletic conference

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: Crimson Electric Windowlicker Alpha



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: Federal pistol mediation



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: bull headed bawdyhouse



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: dull internal respiration coffee pot



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: Topaz menage



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: slimy mental disorder dingle berry



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: provocative point

**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: Rusted People Who Are Hurt Death Wish

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: Crimson Electric Windowlicker Alpha



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: French Telephone Parlour

(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: Crimson Electric Windowlicker Alpha

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: multi-colored useless legend

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: Crimson Electric Windowlicker Alpha

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: Heady address corn cake

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: Crimson Electric Windowlicker Alpha

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: Insanely creepy beta national security agency



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: disgusting pit

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: shimmering school

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: Heady address corn cake

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: Crimson Electric Windowlicker Alpha



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: Big-titted At-the-ready Rehab

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: Heady address corn cake

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: Sable national halford

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: Fighting idiot



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: marvelous emerald half-breed

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: Fighting idiot

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: Scarlet area cuckoldry

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: talking green institution toilet seat

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: Scarlet area cuckoldry

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: Scarlet area cuckoldry

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: henna erotic marketing idea athletic conference

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)