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

https://archive.ph/qqLnJ
Fishy stirring shrine
  05/19/25
klarna's a bitch
Chrome Plaza
  05/19/25
...
disturbing appetizing site
  05/19/25
mondays
arousing self-centered ticket booth
  05/19/25
...
twisted maize digit ratio
  05/19/25
...
talented demanding boiling water giraffe
  05/19/25
...
Adventurous cheese-eating institution selfie
  05/20/25
...
Excitant Depressive
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
sepia well-lubricated hospital rigpig
  05/19/25
good luck repossessing my Taco Bell
scarlet irradiated area hairy legs
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
Lake karate
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
Garnet chapel mood
  05/20/25
Why do you “have to” buy a new iPhone every coup...
Thriller Massive Friendly Grandma
  05/20/25
Because I break or lose the old one.
Garnet chapel mood
  05/20/25
>>> I still do not understand how we went from a wo...
Lake karate
  05/20/25
...
Turquoise step-uncle's house
  05/20/25
...
Silver wonderful cuckold foreskin
  05/20/25
Proles are literally financing tacos. What a world.
Nofapping Spot Candlestick Maker
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
Turquoise step-uncle's house
  05/20/25
Good
rough-skinned angry messiness people who are hurt
  05/20/25
"Klarna, which presented Monday’s earnings via an...
Concupiscible keepsake machete lodge
  05/20/25
it turns out banks arent just "evil" and lending t...
Swashbuckling salmon double fault church
  05/20/25
They are also evil
Lake karate
  05/20/25
Holy shit, not flame.
odious filthy corner
  05/20/25
...
Turquoise step-uncle's house
  05/20/25
...
sepia well-lubricated hospital rigpig
  05/20/25
...
Green thirsty useless brakes
  05/20/25
...
Cracking resort laser beams
  05/20/25
...
Shivering navy hell mother
  05/20/25
...
Excitant Depressive
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
Garnet chapel mood
  05/20/25
isn't that basically every loan?
mauve associate church building
  05/20/25
...
Turquoise step-uncle's house
  05/20/25
(finance mba)
Shimmering stimulating parlor
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
Turquoise step-uncle's house
  05/20/25
they're obsessed with optimization but don't account for all...
multi-colored kitty orchestra pit
  05/20/25
and because they're too autistic to understand and account f...
Turquoise step-uncle's house
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
zombie-like vivacious new version
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
Turquoise step-uncle's house
  05/20/25
...
Silver wonderful cuckold foreskin
  05/20/25
this is actually their business model though their busine...
Hairraiser Casino Quadroon
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
magical property mediation
  05/20/25
twist: they sell these loan portfolios to others so they don...
zombie-like vivacious new version
  05/20/25
...
Turquoise step-uncle's house
  05/20/25
This brilliant business model works until people no longer b...
Lake karate
  05/20/25
just increase penalty fees to juice the returns to offset th...
zombie-like vivacious new version
  05/20/25
tsinah hack
Titillating Federal Goal In Life Genital Piercing
  05/20/25
...
Crimson roast beef rigor
  05/20/25
That's Anti-semitism
Razzle international law enforcement agency
  05/20/25
I don't need "credit" anymore. Should I start doi...
Crimson roast beef rigor
  05/20/25
I’m shocked that financing burritos for proles is not ...
embarrassed to the bone office cuck
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
Floppy lay immigrant
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
embarrassed to the bone office cuck
  05/21/25
Underreported part of this story is just how much Klarna and...
embarrassed to the bone office cuck
  05/21/25
It was all worth it to keep line go up for a couple of extra...
odious filthy corner
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: Fishy stirring shrine

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: Chrome Plaza

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: disturbing appetizing site



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: arousing self-centered ticket booth

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: twisted maize digit ratio



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: talented demanding boiling water giraffe



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: Adventurous cheese-eating institution selfie



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Excitant Depressive



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: sepia well-lubricated hospital rigpig

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: scarlet irradiated area hairy legs

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: Lake karate

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: Garnet chapel mood

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: Thriller Massive Friendly Grandma

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: Garnet chapel mood

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: Lake karate

>>> 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: Turquoise step-uncle's house



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Silver wonderful cuckold foreskin



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: Nofapping Spot Candlestick Maker

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: Turquoise step-uncle's house

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: rough-skinned angry messiness people who are hurt

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: Concupiscible keepsake machete lodge

"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: Swashbuckling salmon double fault church

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: Lake karate

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: odious filthy corner

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: Turquoise step-uncle's house



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: sepia well-lubricated hospital rigpig



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: Green thirsty useless brakes



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Cracking resort laser beams



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: Shivering navy hell mother



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Excitant Depressive



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: Garnet chapel mood

**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: mauve associate church building

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: Turquoise step-uncle's house



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: Shimmering stimulating parlor

(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: Turquoise step-uncle's house

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: multi-colored kitty orchestra pit

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: Turquoise step-uncle's house

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: zombie-like vivacious new version

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: Turquoise step-uncle's house

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: Silver wonderful cuckold foreskin



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: Hairraiser Casino Quadroon

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: magical property mediation

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: zombie-like vivacious new version

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: Turquoise step-uncle's house



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: Lake karate

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: zombie-like vivacious new version

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: Titillating Federal Goal In Life Genital Piercing

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: Crimson roast beef rigor



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Razzle international law enforcement agency

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: Crimson roast beef rigor

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: embarrassed to the bone office cuck

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: Floppy lay immigrant

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: embarrassed to the bone office cuck

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: embarrassed to the bone office cuck

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: odious filthy corner

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)