The most prestigious law school admissions discussion board in the world.
|
 |
 
|
irl goy here, what's the reason *not* to use Klarna?
Poast new message in this thread
Date: December 4th, 2025 10:53 AM Author: Nubile Hall I was buying a "towel warmer" online for my wife(also goy) and the "4 easy payments" Klarna ad popped up. It's the exact same price either way. So what is the catch - is it just that they gather detailed shopping info and send you ads? get to look at your credit report ? Or are they hoping you will miss a payment and hit you with some 99% apr upcharge? |
Date: December 4th, 2025 10:58 AM Author: Glittery temple ceo there’s zero downside and they make absolutely no money at all providing that service (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49482999) |
 |
Date: December 4th, 2025 11:00 AM Author: Nubile Hall is this some uber 2017 zirp VC cash thing (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483005) |
|
Date: December 4th, 2025 11:01 AM Author: onyx high-end set https://s205.q4cdn.com/644747736/files/doc_financials/2025/q3/Q3-2025-Earnings-Release.pdf (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483007) |
|
Date: December 4th, 2025 12:03 PM Author: Thirsty Heaven (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483228) |
|
Date: December 4th, 2025 11:00 AM Author: Seedy boyish hospital they charge the retailer a %. it's the same thing with stores that used to offer 0% APR but instead of having a separate financing plan at every retailer these guys are trying to create a centralized system for retailer-funded low APR financing. that's why different retailers have different options.
it is a no brainer, but like most of these things it's a prole goy honeypot. people with money aren't going to worry about 0% APR on a couple hundred bucks. it's free money but not enough to care. meanwhile prole goys are gonna go ham and have trouble getting out from under it.
seeing klarna pop up as an option for mcdonalds purchases is giving me flashbacks of "no payments for 6 months!" interest only mortgages on 2007. |
|
Date: December 4th, 2025 11:26 AM Author: Zippy ticket booth quadroon What if they repossess my bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483081) |
|
Date: December 4th, 2025 11:33 AM Author: Seedy boyish hospital ESPECIALLY your bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483109) |
|
Date: December 4th, 2025 11:10 AM Author: Supple Gunner Fanboi A girl in my class is underwater on some McNuggets not flame (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483020) |
|
Date: December 4th, 2025 11:34 AM Author: swollen factory reset button you should provide her a "bailout" (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483113) |
|
Date: December 4th, 2025 3:54 PM Author: beady-eyed iridescent dilemma My sous vide! (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483996) |
|
Date: December 4th, 2025 11:30 AM Author: Excitant wagecucks stead This is how you know America is actually 70% brown now. This would’ve been completely absurd with our demographics from like 15 years ago (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483100) |
|
Date: December 4th, 2025 11:44 AM Author: Cruel-hearted Nudist Therapy French Chef (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483150) |
|
Date: December 4th, 2025 11:52 AM Author: purple erotic business firm famous landscape painting (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483184) |
|
Date: December 4th, 2025 12:04 PM Author: Balding volcanic crater (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483229) |
|
Date: December 4th, 2025 12:23 PM Author: lime garrison The phenomenon of putting *everything* on a credit card was widespread by then.
I don't see how this new BNPL stuff is substantially different than using a CC. |
|
Date: December 4th, 2025 12:24 PM Author: Balding volcanic crater I use CC for whatever I can because I get points/miles/other benefits but I never run a balance. BNPL is pure credit at shitty rates. (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483292) |
|
Date: December 4th, 2025 2:21 PM Author: histrionic lay clown this is yet another layer of jewish debt magic underneath your credit card debt
|
|
Date: December 4th, 2025 2:15 PM Author: Vibrant chocolate laser beams (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483648) |
|
Date: December 4th, 2025 2:19 PM Author: avocado concupiscible love of her life spot This is how you know XO is full of shit when they claim to be simple prole men of America born to the working class
The Walmart layaway counter was the exact same shit 30 years ago |
|
Date: December 4th, 2025 2:45 PM Author: electric pozpig area You didn’t get your shit until you made the final payment. Layaway was to hold a specific item at a specific price when availability was less predictable. (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483719) |
|
Date: April 3rd, 2026 7:48 PM Author: Taylor Swift is not a hobby she is a lifestyle (πΊπΈ π΅π±) (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49792116) |
|
Date: December 4th, 2025 11:36 AM Author: Medicated telephone mental disorder the "free money" argument is some real prole shit. jew here. lol @ the opportunity cost on the $75 you spent to buy headphones. that's peanuts and not worth worrying about when there's a risk of a missed payment and fucking up your credit.
much easier to get large amounts of "free money" in other ways |
|
Date: December 4th, 2025 11:37 AM Author: Nubile Hall nffi, I remember your nordstrom return arbitrage stories. that was *way* more work than this (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483120) |
|
Date: December 4th, 2025 11:38 AM Author: Medicated telephone mental disorder i wasnt doing it for the arbitrage. i was doing it to borrow clothes, and the arbitrage is just a bonus. (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483125) |
|
Date: December 4th, 2025 11:55 AM Author: lilac unholy point idiot let’s say op goes big though, and makes a $200 purchase, with 25% down and 25% due over each of the next three months. assuming an 8% apr opportunity cost, he just netted $2. if it takes him 20 minutes to fill in his info, set up autopay, and confirm the transfers over the life of the loan, dood is bringing down a cool $6/hour. are you too good to work for $6/hr, hotshot? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483194) |
|
Date: December 4th, 2025 12:02 PM Author: Nubile Hall dbg oddly silent (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483220) |
|
Date: December 4th, 2025 12:04 PM Author: Medicated telephone mental disorder rofl he's making my point (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483232) |
|
Date: December 4th, 2025 11:38 AM Author: diverse meetinghouse Legal hypo: Assume you order a chipotle burrito and ask for guac but quickly cancel and then pay with klarna just as the guac leaves the guacscoop, then you default on your loan, can your SNAP/EBT benefits be garnished? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483123) |
|
Date: December 4th, 2025 12:02 PM Author: Thirsty Heaven (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483221) |
|
Date: December 4th, 2025 11:43 AM Author: jade nowag shitlib How long do you have to pay it off without interest? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483140) |
|
Date: December 4th, 2025 11:46 AM Author: swollen factory reset button (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483156) |
|
Date: December 4th, 2025 11:47 AM Author: 180 Smoky Dingle Berry Skinny Woman Rach can you turn on location for every post like they did on Twitter (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483159) |
|
Date: December 4th, 2025 11:48 AM Author: white pea-brained house (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483165) |
|
Date: December 4th, 2025 11:51 AM Author: Silver appetizing coldplay fan macaca https://x.com/paul_hundred/status/1996621366184075337 (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483180) |
|
Date: December 4th, 2025 11:56 AM Author: Nubile Hall we're famous again bros (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483198) |
|
Date: December 4th, 2025 11:58 AM Author: navy den mood (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483205) |
|
Date: December 4th, 2025 3:47 PM Author: nighttime spruce trailer park legal warrant (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483977) |
|
Date: December 4th, 2025 12:02 PM Author: Thirsty Heaven Klarna’s a bitch (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483222) |
|
Date: December 4th, 2025 2:14 PM Author: comical tanning salon Can illegals use this shit? You need a SSN or what? Is there widespread beaner fraud? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483643) |
|
Date: April 3rd, 2026 7:48 PM Author: may his bones be crushed If ur not debtmaxxing rn ur dumb af (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49792117) |