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

https://archive.ph/qqLnJ
Topaz Talented Cuck Point
  05/19/25
klarna's a bitch
Sick learning disabled senate
  05/19/25
...
Translucent Fiercely-loyal Regret
  05/19/25
mondays
Provocative Fear-inspiring Pocket Flask
  05/19/25
...
Heady milk
  05/19/25
...
bull headed fighting gaming laptop
  05/19/25
...
startling kitty cat range
  05/20/25
...
honey-headed hell
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
Haunting gas station
  05/19/25
good luck repossessing my Taco Bell
floppy lake stead
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
Grizzly Charismatic Nursing Home Boltzmann
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
big-titted diverse foreskin tanning salon
  05/20/25
Why do you “have to” buy a new iPhone every coup...
Filthy piazza
  05/20/25
Because I break or lose the old one.
big-titted diverse foreskin tanning salon
  05/20/25
>>> I still do not understand how we went from a wo...
Grizzly Charismatic Nursing Home Boltzmann
  05/20/25
...
Exhilarant Temple Faggotry
  05/20/25
...
shivering crystalline hominid volcanic crater
  05/20/25
Proles are literally financing tacos. What a world.
Violent brunch
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
Exhilarant Temple Faggotry
  05/20/25
...
Green Circlehead Public Bath
  05/20/25
"Klarna, which presented Monday’s earnings via an...
Insanely creepy bawdyhouse
  05/20/25
it turns out banks arent just "evil" and lending t...
Lilac Chest-beating Property
  05/20/25
They are also evil
Grizzly Charismatic Nursing Home Boltzmann
  05/20/25
Holy shit, not flame.
Drab gunner
  05/20/25
...
Exhilarant Temple Faggotry
  05/20/25
...
Haunting gas station
  05/20/25
...
rose area philosopher-king
  05/20/25
...
Dashing crackhouse pisswyrm
  05/20/25
...
buff address puppy
  05/20/25
...
honey-headed hell
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
big-titted diverse foreskin tanning salon
  05/20/25
isn't that basically every loan?
histrionic cobalt base
  05/20/25
...
Exhilarant Temple Faggotry
  05/20/25
(finance mba)
Aqua tank
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
Exhilarant Temple Faggotry
  05/20/25
they're obsessed with optimization but don't account for all...
Salmon location son of senegal
  05/20/25
and because they're too autistic to understand and account f...
Exhilarant Temple Faggotry
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
Arrogant Zippy Pit Wrinkle
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
Exhilarant Temple Faggotry
  05/20/25
...
shivering crystalline hominid volcanic crater
  05/20/25
this is actually their business model though their busine...
thriller kitchen
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
Spectacular flesh field
  05/20/25
twist: they sell these loan portfolios to others so they don...
Arrogant Zippy Pit Wrinkle
  05/20/25
...
Exhilarant Temple Faggotry
  05/20/25
This brilliant business model works until people no longer b...
Grizzly Charismatic Nursing Home Boltzmann
  05/20/25
just increase penalty fees to juice the returns to offset th...
Arrogant Zippy Pit Wrinkle
  05/20/25
tsinah hack
Lascivious hospital community account
  05/20/25
...
Coral Center Incel
  05/20/25
That's Anti-semitism
Dark bateful fat ankles
  05/20/25
I don't need "credit" anymore. Should I start doi...
Coral Center Incel
  05/20/25
I’m shocked that financing burritos for proles is not ...
Snowy hunting ground
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
vivacious chestnut laser beams idea he suggested
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
Snowy hunting ground
  05/21/25
Underreported part of this story is just how much Klarna and...
Snowy hunting ground
  05/21/25
It was all worth it to keep line go up for a couple of extra...
Drab gunner
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: Topaz Talented Cuck Point

https://archive.ph/qqLnJ

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48946034)



Reply Favorite

Date: May 19th, 2025 10:23 PM
Author: Sick learning disabled senate

klarna's a bitch

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48946044)



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: Translucent Fiercely-loyal Regret



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: Provocative Fear-inspiring Pocket Flask

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: Heady milk



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: bull headed fighting gaming laptop



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: startling kitty cat range



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: honey-headed hell



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: Haunting gas station

you mean my tranche of burrito loans doesnt deserve that AAA rating?

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48946049)



Reply Favorite

Date: May 19th, 2025 10:37 PM
Author: floppy lake stead

good luck repossessing my Taco Bell



(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48946078)



Reply Favorite

Date: May 20th, 2025 2:12 AM
Author: Grizzly Charismatic Nursing Home Boltzmann

Michael Burry currently making millions shorting Chipotle Burrito Bowl CLOs

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48946385)



Reply Favorite

Date: May 20th, 2025 2:26 AM
Author: big-titted diverse foreskin tanning salon

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=2:#48946391)



Reply Favorite

Date: May 20th, 2025 2:37 AM
Author: Filthy piazza

Why do you “have to” buy a new iPhone every couple of years

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48946397)



Reply Favorite

Date: May 20th, 2025 3:34 AM
Author: big-titted diverse foreskin tanning salon

Because I break or lose the old one.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48946424)



Reply Favorite

Date: May 20th, 2025 4:02 AM
Author: Grizzly Charismatic Nursing Home Boltzmann

>>> 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=2:#48946436)



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: Exhilarant Temple Faggotry



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: shivering crystalline hominid volcanic crater



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: Violent brunch

Proles are literally financing tacos. What a world.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48946399)



Reply Favorite

Date: May 20th, 2025 8:56 AM
Author: Exhilarant Temple Faggotry

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=2:#48946656)



Reply Favorite

Date: May 20th, 2025 3:36 AM
Author: Green Circlehead Public Bath



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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: Insanely creepy bawdyhouse

"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=2:#48946434)



Reply Favorite

Date: May 20th, 2025 8:48 AM
Author: Lilac Chest-beating Property

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=2:#48946645)



Reply Favorite

Date: May 20th, 2025 5:31 PM
Author: Grizzly Charismatic Nursing Home Boltzmann

They are also evil

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48948507)



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: Drab gunner

Holy shit, not flame.

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48946655)



Reply Favorite

Date: May 20th, 2025 8:56 AM
Author: Exhilarant Temple Faggotry



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: Haunting gas station



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: rose area philosopher-king



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Dashing crackhouse pisswyrm



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: buff address puppy



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: honey-headed hell



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: big-titted diverse foreskin tanning salon

**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=2:#48948572)



Reply Favorite

Date: May 20th, 2025 8:49 AM
Author: histrionic cobalt base

isn't that basically every loan?

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48946646)



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: Exhilarant Temple Faggotry



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: Aqua tank

(finance mba)

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48948561)



Reply Favorite

Date: May 20th, 2025 8:58 AM
Author: Exhilarant Temple Faggotry

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=2:#48946660)



Reply Favorite

Date: May 20th, 2025 9:22 AM
Author: Salmon location son of senegal

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=2:#48946686)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Exhilarant Temple Faggotry

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=2:#48946726)



Reply Favorite

Date: May 20th, 2025 9:38 AM
Author: Arrogant Zippy Pit Wrinkle

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=2:#48946731)



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Exhilarant Temple Faggotry

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=2:#48946742)



Reply Favorite

Date: May 20th, 2025 5:40 PM
Author: shivering crystalline hominid volcanic crater



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: thriller kitchen

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=2:#48946716)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Spectacular flesh field

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=2:#48946728)



Reply Favorite

Date: May 20th, 2025 9:38 AM
Author: Arrogant Zippy Pit Wrinkle

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=2:#48946733)



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Exhilarant Temple Faggotry



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: Grizzly Charismatic Nursing Home Boltzmann

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=2:#48948514)



Reply Favorite

Date: May 20th, 2025 5:56 PM
Author: Arrogant Zippy Pit Wrinkle

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=2:#48948585)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Lascivious hospital community account

tsinah hack

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48946729)



Reply Favorite

Date: May 20th, 2025 5:35 PM
Author: Coral Center Incel



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Dark bateful fat ankles

That's Anti-semitism

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48946743)



Reply Favorite

Date: May 20th, 2025 5:34 PM
Author: Coral Center Incel

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=2:#48948520)



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Snowy hunting ground

I’m shocked that financing burritos for proles is not working out

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48948545)



Reply Favorite

Date: May 20th, 2025 7:49 PM
Author: vivacious chestnut laser beams idea he suggested

Is Affirm in equally bad shape or is this specific to Klarna?

(http://www.autoadmit.com/thread.php?thread_id=5727584&forum_id=2:#48948912)



Reply Favorite

Date: May 21st, 2025 6:54 AM
Author: Snowy hunting ground

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=2:#48950142)



Reply Favorite

Date: May 21st, 2025 6:58 AM
Author: Snowy hunting ground

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=2:#48950145)



Reply Favorite

Date: May 21st, 2025 7:24 AM
Author: Drab gunner

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=2:#48950163)