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irl goy here, what's the reason *not* to use Klarna?
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Date: December 4th, 2025 10:53 AM Author: Dark Soul-stirring Home Codepig 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: cream locale prole 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=2.#49482999) |
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Date: December 4th, 2025 11:00 AM Author: Dark Soul-stirring Home Codepig is this some uber 2017 zirp VC cash thing (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483005) |
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Date: December 4th, 2025 11:01 AM Author: Mewling navy range 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=2.#49483007) |
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Date: December 4th, 2025 12:03 PM Author: Irradiated Property (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483228) |
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Date: December 4th, 2025 11:00 AM Author: Know-it-all address 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. |
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Date: December 4th, 2025 11:26 AM Author: Diverse peach space queen of the night What if they repossess my bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483081) |
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Date: December 4th, 2025 11:33 AM Author: Know-it-all address ESPECIALLY your bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483109) |
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Date: December 4th, 2025 11:10 AM Author: cruel-hearted famous landscape painting school cafeteria A girl in my class is underwater on some McNuggets not flame (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483020) |
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Date: December 4th, 2025 11:34 AM Author: stimulating site you should provide her a "bailout" (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483113) |
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Date: December 4th, 2025 3:54 PM Author: electric silver weed whacker meetinghouse My sous vide! (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483996) |
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Date: December 4th, 2025 11:30 AM Author: racy fanboi incel 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=2.#49483100) |
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Date: December 4th, 2025 11:44 AM Author: ruddy sweet tailpipe (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483150) |
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Date: December 4th, 2025 11:52 AM Author: 180 psychic (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483184) |
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Date: December 4th, 2025 12:04 PM Author: Angry idea he suggested indian lodge (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483229) |
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Date: December 4th, 2025 12:23 PM Author: exhilarant olive dopamine field 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. |
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Date: December 4th, 2025 12:24 PM Author: Angry idea he suggested indian lodge 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=2.#49483292) |
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Date: December 4th, 2025 2:21 PM Author: floppy sexy generalized bond degenerate this is yet another layer of jewish debt magic underneath your credit card debt
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Date: December 4th, 2025 2:15 PM Author: flickering zombie-like dilemma (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483648) |
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Date: December 4th, 2025 2:19 PM Author: Galvanic tan karate 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 |
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Date: December 4th, 2025 2:45 PM Author: excitant green 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=2.#49483719) |
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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=2.#49792116) |
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Date: December 4th, 2025 11:36 AM Author: multi-colored public bath 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 |
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Date: December 4th, 2025 11:37 AM Author: Dark Soul-stirring Home Codepig 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=2.#49483120) |
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Date: December 4th, 2025 11:38 AM Author: multi-colored public bath 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=2.#49483125) |
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Date: December 4th, 2025 11:55 AM Author: fluffy fuchsia abode 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=2.#49483194) |
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Date: December 4th, 2025 12:02 PM Author: Dark Soul-stirring Home Codepig dbg oddly silent (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483220) |
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Date: December 4th, 2025 12:04 PM Author: multi-colored public bath rofl he's making my point (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483232) |
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Date: December 4th, 2025 11:38 AM Author: brass milk pervert 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=2.#49483123) |
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Date: December 4th, 2025 12:02 PM Author: Irradiated Property (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483221) |
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Date: December 4th, 2025 11:43 AM Author: Vibrant corner cuckold How long do you have to pay it off without interest? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483140) |
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Date: December 4th, 2025 11:46 AM Author: stimulating site (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483156) |
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Date: December 4th, 2025 11:47 AM Author: Gaped lodge mad-dog skullcap 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=2.#49483159) |
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Date: December 4th, 2025 11:48 AM Author: Blathering up-to-no-good market (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483165) |
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Date: December 4th, 2025 11:51 AM Author: maniacal bespoke newt box office https://x.com/paul_hundred/status/1996621366184075337 (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483180) |
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Date: December 4th, 2025 11:56 AM Author: Dark Soul-stirring Home Codepig we're famous again bros (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483198) |
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Date: December 4th, 2025 11:58 AM Author: elite charismatic legal warrant (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483205) |
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Date: December 4th, 2025 3:47 PM Author: yellow whorehouse (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483977) |
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Date: December 4th, 2025 12:02 PM Author: Irradiated Property Klarna’s a bitch (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2.#49483222) |
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Date: December 4th, 2025 2:14 PM Author: lascivious jewess skinny woman 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=2.#49483643) |
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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=2.#49792117) |