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irl goy here, what's the reason *not* to use Klarna?
| vivacious brunch | 12/04/25 |
| bistre abnormal elastic band | 12/04/25 |
| vivacious brunch | 12/04/25 |
| Arousing lettuce gunner | 12/04/25 |
| slate lascivious twinkling uncleanness trust fund | 12/04/25 |
| godawful vigorous house | 12/04/25 |
| maize well-lubricated hairy legs | 12/04/25 |
| godawful vigorous house | 12/04/25 |
| Vibrant church building boistinker | 12/04/25 |
| floppy flickering stage | 12/04/25 |
| Motley umber regret | 12/04/25 |
| unhinged cuckoldry | 12/04/25 |
| grizzly business firm | 12/04/25 |
| Dark stimulating crackhouse chad | 12/04/25 |
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| Bat shit crazy bespoke locus coldplay fan | 12/04/25 |
| Ruddy comical ticket booth | 12/04/25 |
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| talking university sneaky criminal | 12/04/25 |
| Supple bearded really tough guy corner | 12/04/25 |
| cheese-eating cruel-hearted pisswyrm scourge upon the earth | 12/04/25 |
| laughsome ape | 04/03/26 |
| canary naked field windowlicker | 12/04/25 |
| vivacious brunch | 12/04/25 |
| canary naked field windowlicker | 12/04/25 |
| Big-titted Wine Step-uncle's House Friendly Grandma | 12/04/25 |
| vivacious brunch | 12/04/25 |
| canary naked field windowlicker | 12/04/25 |
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| floppy flickering stage | 12/04/25 |
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| vivacious brunch | 12/04/25 |
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| Snowy exhilarant degenerate base | 04/03/26 |
Poast new message in this thread
Date: December 4th, 2025 10:53 AM Author: vivacious brunch 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: bistre abnormal elastic band 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: vivacious brunch 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: Arousing lettuce gunner 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: slate lascivious twinkling uncleanness trust fund (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: godawful vigorous house 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: maize well-lubricated hairy legs 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: godawful vigorous house 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: Vibrant church building boistinker 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: floppy flickering stage 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: Motley umber regret 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: unhinged cuckoldry 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: grizzly business firm (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: Dark stimulating crackhouse chad (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: Ruddy comical ticket booth (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: Bat shit crazy bespoke locus coldplay fan 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: Ruddy comical ticket booth 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: Adventurous gaming laptop tanning salon 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: talking university sneaky criminal (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: Supple bearded really tough guy corner 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: cheese-eating cruel-hearted pisswyrm scourge upon the earth 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: laughsome ape (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: canary naked field windowlicker 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: vivacious brunch 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: canary naked field windowlicker 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: Big-titted Wine Step-uncle's House Friendly Grandma 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: vivacious brunch 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: canary naked field windowlicker 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: drab national 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: slate lascivious twinkling uncleanness trust fund (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: Sable old irish cottage pit 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: floppy flickering stage (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: Stirring puppy cuck 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: Slippery charcoal legal warrant (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: cream mental disorder 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: vivacious brunch 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: salmon judgmental locale immigrant (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: Slap-happy Preventive Strike Kitchen (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: slate lascivious twinkling uncleanness trust fund 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: glittery rough-skinned nowag 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: Snowy exhilarant degenerate base (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2...#49792117) |