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

https://archive.ph/qqLnJ
pearl vivacious love of her life degenerate
  05/19/25
klarna's a bitch
Harsh bistre hunting ground
  05/19/25
...
topaz dragon stead
  05/19/25
mondays
aquamarine excitant bawdyhouse
  05/19/25
...
abusive drunken abode
  05/19/25
...
maroon aphrodisiac cruise ship clown
  05/19/25
...
multi-colored cream pisswyrm alpha
  05/20/25
...
Sickened bossy corner athletic conference
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
Supple talking ladyboy useless brakes
  05/19/25
good luck repossessing my Taco Bell
Pea-brained Main People
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
Pearly locus crotch
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
Grizzly Scourge Upon The Earth
  05/20/25
Why do you “have to” buy a new iPhone every coup...
insane cordovan patrolman
  05/20/25
Because I break or lose the old one.
Grizzly Scourge Upon The Earth
  05/20/25
>>> I still do not understand how we went from a wo...
Pearly locus crotch
  05/20/25
...
twisted comical haunted graveyard
  05/20/25
...
Histrionic center
  05/20/25
Proles are literally financing tacos. What a world.
peach domesticated ticket booth liquid oxygen
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
twisted comical haunted graveyard
  05/20/25
Good
Blue Senate Double Fault
  05/20/25
"Klarna, which presented Monday’s earnings via an...
spectacular mental disorder area
  05/20/25
it turns out banks arent just "evil" and lending t...
seedy spot toilet seat
  05/20/25
They are also evil
Pearly locus crotch
  05/20/25
Holy shit, not flame.
Nighttime fear-inspiring nowag
  05/20/25
...
twisted comical haunted graveyard
  05/20/25
...
Supple talking ladyboy useless brakes
  05/20/25
...
ebony at-the-ready location
  05/20/25
...
amethyst dingle berry fortuitous meteor
  05/20/25
...
Cruel-hearted indirect expression locale
  05/20/25
...
Sickened bossy corner athletic conference
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
Grizzly Scourge Upon The Earth
  05/20/25
isn't that basically every loan?
charcoal 180 half-breed brunch
  05/20/25
...
twisted comical haunted graveyard
  05/20/25
(finance mba)
Slimy wonderful pocket flask windowlicker
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
twisted comical haunted graveyard
  05/20/25
they're obsessed with optimization but don't account for all...
vengeful kitchen sneaky criminal
  05/20/25
and because they're too autistic to understand and account f...
twisted comical haunted graveyard
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
charismatic site giraffe
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
twisted comical haunted graveyard
  05/20/25
...
Histrionic center
  05/20/25
this is actually their business model though their busine...
bearded erotic nibblets
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
Garnet cerebral voyeur
  05/20/25
twist: they sell these loan portfolios to others so they don...
charismatic site giraffe
  05/20/25
...
twisted comical haunted graveyard
  05/20/25
This brilliant business model works until people no longer b...
Pearly locus crotch
  05/20/25
just increase penalty fees to juice the returns to offset th...
charismatic site giraffe
  05/20/25
tsinah hack
Frisky piazza
  05/20/25
...
insanely creepy lake bbw elastic band
  05/20/25
That's Anti-semitism
crystalline sanctuary becky
  05/20/25
I don't need "credit" anymore. Should I start doi...
insanely creepy lake bbw elastic band
  05/20/25
I’m shocked that financing burritos for proles is not ...
clear factory reset button church building
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
Puce Vigorous Quadroon
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
clear factory reset button church building
  05/21/25
Underreported part of this story is just how much Klarna and...
clear factory reset button church building
  05/21/25
It was all worth it to keep line go up for a couple of extra...
Nighttime fear-inspiring nowag
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: pearl vivacious love of her life degenerate

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: Harsh bistre hunting ground

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: topaz dragon stead



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: aquamarine excitant bawdyhouse

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: abusive drunken abode



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: maroon aphrodisiac cruise ship clown



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: multi-colored cream pisswyrm alpha



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Sickened bossy corner athletic conference



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: Supple talking ladyboy useless brakes

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: Pea-brained Main People

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: Pearly locus crotch

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: Grizzly Scourge Upon The Earth

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: insane cordovan patrolman

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: Grizzly Scourge Upon The Earth

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: Pearly locus crotch

>>> 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: twisted comical haunted graveyard



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Histrionic center



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: peach domesticated ticket booth liquid oxygen

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: twisted comical haunted graveyard

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: Blue Senate Double Fault

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: spectacular mental disorder area

"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: seedy spot toilet seat

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: Pearly locus crotch

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: Nighttime fear-inspiring nowag

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: twisted comical haunted graveyard



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: Supple talking ladyboy useless brakes



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: ebony at-the-ready location



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: amethyst dingle berry fortuitous meteor



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: Cruel-hearted indirect expression locale



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Sickened bossy corner athletic conference



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: Grizzly Scourge Upon The Earth

**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: charcoal 180 half-breed brunch

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: twisted comical haunted graveyard



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: Slimy wonderful pocket flask windowlicker

(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: twisted comical haunted graveyard

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: vengeful kitchen sneaky criminal

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: twisted comical haunted graveyard

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: charismatic site giraffe

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: twisted comical haunted graveyard

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: Histrionic center



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: bearded erotic nibblets

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: Garnet cerebral voyeur

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: charismatic site giraffe

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: twisted comical haunted graveyard



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: Pearly locus crotch

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: charismatic site giraffe

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: Frisky piazza

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: insanely creepy lake bbw elastic band



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: crystalline sanctuary becky

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: insanely creepy lake bbw elastic band

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: clear factory reset button church building

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: Puce Vigorous Quadroon

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: clear factory reset button church building

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: clear factory reset button church building

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: Nighttime fear-inspiring nowag

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)