The most prestigious law school admissions discussion board in the world.
|
 |
 
|
I just paid for a large car repair bill using Affirm
Poast new message in this thread
Date: September 10th, 2025 10:28 AM Author: Drab sadistic field No interest! (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250018) |
Date: September 10th, 2025 10:29 AM Author: glittery opaque foreskin is this like klarna or something? is our society now just a few rich people, tons of welfare cases and a bunch of people in the middle who are financing their electric and water bills by borrowing funds? (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250025) |
 |
Date: September 10th, 2025 10:31 AM Author: Drab sadistic field Yea i think thats accurate. the bill is $6k. we have a 10 year old sedan and i really don't want to buy a new car. he said you can pay with cash check credit...or have you heard of AFFIRM? i applied for got approved for and set up auto payments in under 2 minutes.
How are they making any money on a loan that i pay off in six months and don't pay any interest on anyway? |
|
Date: September 10th, 2025 10:31 AM Author: unholy salmon nursing home They are betting on you being unable to pay eventually (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250030) |
|
Date: September 10th, 2025 11:19 AM Author: Drab sadistic field they're betting against me? the merchant said they were 4 me.
free palestine! |
|
Date: September 10th, 2025 10:32 AM Author: glittery opaque foreskin my guess is they rope you in with that "no money down!" shit and assume you're going to go off on a spendign spree with other shit and find yourself in debt up to your eyeballs in jewish interest payments.
you are using it the tcr way, assuming there's no hidden bullshit in there.
$6k on a 10 year old car is some shit man, what was wrong |
|
Date: September 10th, 2025 10:57 AM Author: Drab sadistic field well 12 yrs old now i guess - i will wait for the pumos to tell me how i got taken to the cleaners:
on the front suspension the sway bar links are worn and loose and the struts are damaged - $890 labor; $390 x 2 for shock/strut; $190 for suspension stabilizer bar link
new front lower control arms bc bushings are deteriorating (this was the issue i brought it in for) - $670 labor; $376.52 x 2 for new suspension control arms;
new battery which is 5 yrs old - $50 labor; new NAPA legend professional battery - $200
4 new tires bc tread is 3/32 inches - $550; labor - $70
4 wheel alignment - $139
replace break pads in front which are 2mm and new rotors too; $330 labor; disk brake pad set - $100; disc brake rotor x 2 $200;
remove old brake fluid and replace - $130 labor; new brake fluid $40
'remove cowling, high pressure vacuum of debris, deep cleaning of drains, cleaning of air in intake for vent system, and cleaning of blower compartment' - $65 labor
'remove coolant' and fix coolant leak - $140 labor; "premium" engine coolant - $40; cooling system service kit - $38 |
|
Date: September 10th, 2025 11:08 AM Author: Heady onyx trump supporter wrinkle how many miles on the car? (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250130) |
|
Date: September 10th, 2025 11:09 AM Author: Drab sadistic field 100k (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250131) |
|
Date: September 10th, 2025 11:04 AM Author: Cerise coldplay fan 1) They charge the merchant fees 2) They sell the data 3) They bet on a certain number of failures to make payments, then charge fees and interest.
|
|
Date: September 10th, 2025 11:39 AM Author: Fragrant blood rage Klarna’s ceo has publicly said that defaulting consumers is the most profitable part of their business. They want users to fail. (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250209) |
|
Date: September 10th, 2025 11:46 AM Author: Cerise coldplay fan No different than credit cards. (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250232) |
|
Date: September 10th, 2025 12:36 PM Author: Fragrant blood rage Yes, evil (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250338) |
|
Date: September 10th, 2025 11:57 AM Author: adulterous base they charge a fee to the merchat. he is getting 95 cents on the dollar. you paid a 5% fee and didnt know it.
also they rape you if you miss a payment.
but why even pay it? |
|
Date: September 10th, 2025 12:10 PM Author: Drab sadistic field why even pay the bill? becuase I need to have my car fixed. (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250277) |
|
Date: September 10th, 2025 12:37 PM Author: adulterous base oh. they only fix ur car after you made the payments? (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250341) |
|
Date: September 10th, 2025 1:10 PM Author: Drab sadistic field what exactly do you think would happen in that scenario? so i dont pay, and the bank with the loan sues me and gets a judgment saying that i have to pay that plus interest plus attorneys fees. then the bank gets to subject me to post-judgment enforcement and gets turnovers of my bank accounts.
meanwhile i end up paying 4x the amount of the original balance and my credit goes to shit. |
|
Date: September 10th, 2025 4:55 PM Author: adulterous base its not a loan friend. if it was, it would be regulated as such (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49251492) |
|
Date: September 10th, 2025 4:56 PM Author: adulterous base also, not paying those doesnt impact ur credit because its not legally a loan and cant be used in your credit score. hth (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49251494) |
|
Date: September 10th, 2025 10:37 AM Author: Light Center French Chef Affirm for legal fees
https://www.lawpay.com/features/legal-fee-financing/ |
|
Date: September 10th, 2025 11:12 AM Author: Drab sadistic field 180 (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250138) |
|
Date: September 10th, 2025 11:30 AM Author: Marvelous parlour summon: TSINAH (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250190) |
|
Date: September 10th, 2025 11:27 AM Author: Fragrant blood rage The no interest pay in four option makes sense for one time purchases or entertainment options in the future. But there people who pay in four for all their expenses, recurring and non-recurring. (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250182) |
|
Date: September 10th, 2025 12:04 PM Author: sapphire trust fund the 15% or whatever Affirm keeps from the total is factored it into the price you were given by the shop. Zero interest isn’t free. (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250268) |
|
Date: September 10th, 2025 12:09 PM Author: Drab sadistic field i was given the final invoice before selecting affirm (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250274) |
|
Date: September 10th, 2025 12:10 PM Author: adulterous base whats terrible is that cash payers subsidize credit users. (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250278) |
|
Date: September 10th, 2025 12:35 PM Author: Fragrant blood rage Kind of, but not directly. (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250334) |
|
Date: September 10th, 2025 12:39 PM Author: Wonderful mahogany spot places that offer 0% financing typically don't have an upcharge for taking advantage of it. meaning the cash buyers subsidize it. this is the same reason anyone with sense pays with credit cards for everything. (http://www.autoadmit.com/thread.php?thread_id=5771626&forum_id=2)#49250344) |