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

https://archive.ph/qqLnJ
sienna prole theater stage
  05/19/25
klarna's a bitch
Coral tanning salon gaming laptop
  05/19/25
...
Soul-stirring jewess
  05/19/25
mondays
Medicated factory reset button
  05/19/25
...
bipolar shrine
  05/19/25
...
Stubborn mental disorder mediation
  05/19/25
...
Razzmatazz institution
  05/20/25
...
Yapping Adventurous State
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
Azure boyish water buffalo
  05/19/25
good luck repossessing my Taco Bell
marvelous tank
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
Irradiated green box office
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
bateful voyeur
  05/20/25
Why do you “have to” buy a new iPhone every coup...
Glittery abode
  05/20/25
Because I break or lose the old one.
bateful voyeur
  05/20/25
>>> I still do not understand how we went from a wo...
Irradiated green box office
  05/20/25
...
spectacular fishy boltzmann giraffe
  05/20/25
...
exhilarant address rigpig
  05/20/25
Proles are literally financing tacos. What a world.
charismatic corn cake business firm
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
spectacular fishy boltzmann giraffe
  05/20/25
Good
chartreuse piazza black woman
  05/20/25
"Klarna, which presented Monday’s earnings via an...
dead submissive national
  05/20/25
it turns out banks arent just "evil" and lending t...
Purple community account
  05/20/25
They are also evil
Irradiated green box office
  05/20/25
Holy shit, not flame.
ruby costumed hospital
  05/20/25
...
spectacular fishy boltzmann giraffe
  05/20/25
...
Azure boyish water buffalo
  05/20/25
...
territorial slate sanctuary
  05/20/25
...
cream arousing scourge upon the earth step-uncle's house
  05/20/25
...
bright brunch cumskin
  05/20/25
...
Yapping Adventurous State
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
bateful voyeur
  05/20/25
isn't that basically every loan?
peach fighting office
  05/20/25
...
spectacular fishy boltzmann giraffe
  05/20/25
(finance mba)
dun mad cow disease stock car
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
spectacular fishy boltzmann giraffe
  05/20/25
they're obsessed with optimization but don't account for all...
Alcoholic locale french chef
  05/20/25
and because they're too autistic to understand and account f...
spectacular fishy boltzmann giraffe
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
At-the-ready Vengeful Organic Girlfriend
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
spectacular fishy boltzmann giraffe
  05/20/25
...
exhilarant address rigpig
  05/20/25
this is actually their business model though their busine...
Henna Racy Library
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
Heady cowardly becky
  05/20/25
twist: they sell these loan portfolios to others so they don...
At-the-ready Vengeful Organic Girlfriend
  05/20/25
...
spectacular fishy boltzmann giraffe
  05/20/25
This brilliant business model works until people no longer b...
Irradiated green box office
  05/20/25
just increase penalty fees to juice the returns to offset th...
At-the-ready Vengeful Organic Girlfriend
  05/20/25
tsinah hack
sepia plaza macaca
  05/20/25
...
Sticky whorehouse
  05/20/25
That's Anti-semitism
Mint Domesticated Pozpig
  05/20/25
I don't need "credit" anymore. Should I start doi...
Sticky whorehouse
  05/20/25
I’m shocked that financing burritos for proles is not ...
nudist unholy cruise ship juggernaut
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
Overrated Temple
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
nudist unholy cruise ship juggernaut
  05/21/25
Underreported part of this story is just how much Klarna and...
nudist unholy cruise ship juggernaut
  05/21/25
It was all worth it to keep line go up for a couple of extra...
ruby costumed hospital
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: sienna prole theater stage

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: Coral tanning salon gaming laptop

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: Soul-stirring jewess



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: Medicated factory reset button

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: bipolar shrine



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: Stubborn mental disorder mediation



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: Razzmatazz institution



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Yapping Adventurous State



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: Azure boyish water buffalo

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: marvelous tank

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: Irradiated green box office

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: bateful voyeur

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: Glittery abode

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: bateful voyeur

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: Irradiated green box office

>>> 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: spectacular fishy boltzmann giraffe



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: exhilarant address rigpig



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: charismatic corn cake business firm

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: spectacular fishy boltzmann giraffe

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: chartreuse piazza black woman

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: dead submissive national

"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: Purple community account

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: Irradiated green box office

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: ruby costumed hospital

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: spectacular fishy boltzmann giraffe



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: Azure boyish water buffalo



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: territorial slate sanctuary



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: cream arousing scourge upon the earth step-uncle's house



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: bright brunch cumskin



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Yapping Adventurous State



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: bateful voyeur

**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: peach fighting office

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: spectacular fishy boltzmann giraffe



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: dun mad cow disease stock car

(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: spectacular fishy boltzmann giraffe

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: Alcoholic locale french chef

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: spectacular fishy boltzmann giraffe

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: At-the-ready Vengeful Organic Girlfriend

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: spectacular fishy boltzmann giraffe

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: exhilarant address rigpig



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: Henna Racy Library

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: Heady cowardly becky

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: At-the-ready Vengeful Organic Girlfriend

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: spectacular fishy boltzmann giraffe



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: Irradiated green box office

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: At-the-ready Vengeful Organic Girlfriend

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: sepia plaza macaca

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: Sticky whorehouse



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Mint Domesticated Pozpig

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: Sticky whorehouse

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: nudist unholy cruise ship juggernaut

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: Overrated Temple

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: nudist unholy cruise ship juggernaut

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: nudist unholy cruise ship juggernaut

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: ruby costumed hospital

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)