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

https://archive.ph/qqLnJ
Chestnut school volcanic crater
  05/19/25
klarna's a bitch
Contagious Set Dingle Berry
  05/19/25
...
heady theater
  05/19/25
mondays
frisky awkward parlor
  05/19/25
...
beta ivory resort friendly grandma
  05/19/25
...
Puce Domesticated Kitchen Degenerate
  05/19/25
...
violent sooty shitlib tank
  05/20/25
...
mauve gas station queen of the night
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
sadistic violet codepig love of her life
  05/19/25
good luck repossessing my Taco Bell
Lake Floppy Dragon
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
fear-inspiring lemon internal respiration nibblets
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
erotic stimulating gunner place of business
  05/20/25
Why do you “have to” buy a new iPhone every coup...
supple geriatric house selfie
  05/20/25
Because I break or lose the old one.
erotic stimulating gunner place of business
  05/20/25
>>> I still do not understand how we went from a wo...
fear-inspiring lemon internal respiration nibblets
  05/20/25
...
low-t light lodge juggernaut
  05/20/25
...
Appetizing metal sanctuary
  05/20/25
Proles are literally financing tacos. What a world.
Zippy Drab Famous Landscape Painting
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
low-t light lodge juggernaut
  05/20/25
Good
Cowardly water buffalo dilemma
  05/20/25
"Klarna, which presented Monday’s earnings via an...
magical irradiated base faggotry
  05/20/25
it turns out banks arent just "evil" and lending t...
deep theater stage
  05/20/25
They are also evil
fear-inspiring lemon internal respiration nibblets
  05/20/25
Holy shit, not flame.
Canary Death Wish
  05/20/25
...
low-t light lodge juggernaut
  05/20/25
...
sadistic violet codepig love of her life
  05/20/25
...
bossy submissive mad-dog skullcap state
  05/20/25
...
Sick flesh candlestick maker area
  05/20/25
...
turquoise offensive cruise ship
  05/20/25
...
mauve gas station queen of the night
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
erotic stimulating gunner place of business
  05/20/25
isn't that basically every loan?
Fishy hideous forum filthpig
  05/20/25
...
low-t light lodge juggernaut
  05/20/25
(finance mba)
talented orchid stage potus
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
low-t light lodge juggernaut
  05/20/25
they're obsessed with optimization but don't account for all...
Naked khaki bbw people who are hurt
  05/20/25
and because they're too autistic to understand and account f...
low-t light lodge juggernaut
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
carmine foreskin
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
low-t light lodge juggernaut
  05/20/25
...
Appetizing metal sanctuary
  05/20/25
this is actually their business model though their busine...
bearded useless brakes
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
Hairless Nowag
  05/20/25
twist: they sell these loan portfolios to others so they don...
carmine foreskin
  05/20/25
...
low-t light lodge juggernaut
  05/20/25
This brilliant business model works until people no longer b...
fear-inspiring lemon internal respiration nibblets
  05/20/25
just increase penalty fees to juice the returns to offset th...
carmine foreskin
  05/20/25
tsinah hack
Talking excitant den
  05/20/25
...
Avocado sweet tailpipe
  05/20/25
That's Anti-semitism
Laughsome maniacal property
  05/20/25
I don't need "credit" anymore. Should I start doi...
Avocado sweet tailpipe
  05/20/25
I’m shocked that financing burritos for proles is not ...
Hyperactive range
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
Vivacious blue shrine
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
Hyperactive range
  05/21/25
Underreported part of this story is just how much Klarna and...
Hyperactive range
  05/21/25
It was all worth it to keep line go up for a couple of extra...
Canary Death Wish
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: Chestnut school volcanic crater

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: Contagious Set Dingle Berry

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: heady theater



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: frisky awkward parlor

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: beta ivory resort friendly grandma



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: Puce Domesticated Kitchen Degenerate



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: violent sooty shitlib tank



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: mauve gas station queen of the night



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: sadistic violet codepig love of her life

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: Lake Floppy Dragon

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: fear-inspiring lemon internal respiration nibblets

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: erotic stimulating gunner place of business

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: supple geriatric house selfie

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: erotic stimulating gunner place of business

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: fear-inspiring lemon internal respiration nibblets

>>> 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: low-t light lodge juggernaut



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Appetizing metal sanctuary



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: Zippy Drab Famous Landscape Painting

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: low-t light lodge juggernaut

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: Cowardly water buffalo dilemma

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: magical irradiated base faggotry

"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: deep theater stage

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: fear-inspiring lemon internal respiration nibblets

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: Canary Death Wish

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: low-t light lodge juggernaut



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: sadistic violet codepig love of her life



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: bossy submissive mad-dog skullcap state



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Sick flesh candlestick maker area



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: turquoise offensive cruise ship



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: mauve gas station queen of the night



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: erotic stimulating gunner place of business

**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: Fishy hideous forum filthpig

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: low-t light lodge juggernaut



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: talented orchid stage potus

(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: low-t light lodge juggernaut

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: Naked khaki bbw people who are hurt

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: low-t light lodge juggernaut

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: carmine foreskin

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: low-t light lodge juggernaut

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: Appetizing metal sanctuary



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: bearded useless brakes

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: Hairless Nowag

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: carmine foreskin

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: low-t light lodge juggernaut



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: fear-inspiring lemon internal respiration nibblets

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: carmine foreskin

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: Talking excitant den

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: Avocado sweet tailpipe



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Laughsome maniacal property

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: Avocado sweet tailpipe

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: Hyperactive range

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: Vivacious blue shrine

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: Hyperactive range

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: Hyperactive range

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: Canary Death Wish

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)