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

https://archive.ph/qqLnJ
exhilarant crotch
  05/19/25
klarna's a bitch
Arousing sneaky criminal stage
  05/19/25
...
racy party of the first part
  05/19/25
mondays
electric silver selfie
  05/19/25
...
flesh balding athletic conference persian
  05/19/25
...
Chocolate Appetizing Heaven
  05/19/25
...
At-the-ready Dead Toaster
  05/20/25
...
WOMAN STOMPER
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
Thriller halford rigor
  05/19/25
good luck repossessing my Taco Bell
stirring international law enforcement agency
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
Citrine godawful old irish cottage
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
provocative kitchen cumskin
  05/20/25
Why do you “have to” buy a new iPhone every coup...
demanding hyperventilating dilemma
  05/20/25
Because I break or lose the old one.
provocative kitchen cumskin
  05/20/25
>>> I still do not understand how we went from a wo...
Citrine godawful old irish cottage
  05/20/25
...
histrionic clown
  05/20/25
...
Paralegal Mohammad
  05/20/25
Proles are literally financing tacos. What a world.
bronze swashbuckling spot
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
histrionic clown
  05/20/25
Good
Mildly autistic wonderful box office
  05/20/25
"Klarna, which presented Monday’s earnings via an...
Stimulating yarmulke gas station
  05/20/25
it turns out banks arent just "evil" and lending t...
titillating national
  05/20/25
They are also evil
DrakeMallardxo
  05/20/25
Holy shit, not flame.
mind-boggling school
  05/20/25
...
histrionic clown
  05/20/25
...
Thriller halford rigor
  05/20/25
...
Disrespectful Judgmental Digit Ratio
  05/20/25
...
Pontificating crackhouse sweet tailpipe
  05/20/25
...
dont run libs the crystal wardens see you
  05/20/25
...
WOMAN STOMPER
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
the walter white of this generation (walt jr.)
  05/20/25
isn't that basically every loan?
Crawly lemon cuck nowag
  05/20/25
...
histrionic clown
  05/20/25
(finance mba)
\'\'\"\"\'\'\'\"
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
histrionic clown
  05/20/25
they're obsessed with optimization but don't account for all...
Soul-stirring crystalline lodge filthpig
  05/20/25
and because they're too autistic to understand and account f...
histrionic clown
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
aromatic dingle berry blood rage
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
histrionic clown
  05/20/25
...
Paralegal Mohammad
  05/20/25
this is actually their business model though their busine...
drunken honey-headed factory reset button
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
fear-inspiring passionate lay
  05/20/25
twist: they sell these loan portfolios to others so they don...
aromatic dingle berry blood rage
  05/20/25
...
histrionic clown
  05/20/25
This brilliant business model works until people no longer b...
DrakeMallardxo
  05/20/25
just increase penalty fees to juice the returns to offset th...
Heil Hitler (TT6)
  05/20/25
tsinah hack
razzle-dazzle mahogany parlor partner
  05/20/25
...
Emotionally + Physically Abusive Ex-Husband
  05/20/25
That's Anti-semitism
heady sound barrier base
  05/20/25
I don't need "credit" anymore. Should I start doi...
Emotionally + Physically Abusive Ex-Husband
  05/20/25
I’m shocked that financing burritos for proles is not ...
Pierbattista Pizzaballa
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
....:::..:....:::..:...;;;..;...:.::
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
Pierbattista Pizzaballa
  05/21/25
Underreported part of this story is just how much Klarna and...
Pierbattista Pizzaballa
  05/21/25
It was all worth it to keep line go up for a couple of extra...
animeboi
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: exhilarant crotch

https://archive.ph/qqLnJ

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



Reply Favorite

Date: May 19th, 2025 10:23 PM
Author: Arousing sneaky criminal stage

klarna's a bitch

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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: racy party of the first part



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: electric silver selfie

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: flesh balding athletic conference persian



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: Chocolate Appetizing Heaven



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: At-the-ready Dead Toaster



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: WOMAN STOMPER (No Future)



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: Thriller halford rigor

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

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



Reply Favorite

Date: May 19th, 2025 10:37 PM
Author: stirring international law enforcement agency

good luck repossessing my Taco Bell



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



Reply Favorite

Date: May 20th, 2025 2:12 AM
Author: Citrine godawful old irish cottage

Michael Burry currently making millions shorting Chipotle Burrito Bowl CLOs

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



Reply Favorite

Date: May 20th, 2025 2:26 AM
Author: provocative kitchen cumskin

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=2E#48946391)



Reply Favorite

Date: May 20th, 2025 2:37 AM
Author: demanding hyperventilating dilemma

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

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



Reply Favorite

Date: May 20th, 2025 3:34 AM
Author: provocative kitchen cumskin

Because I break or lose the old one.

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



Reply Favorite

Date: May 20th, 2025 4:02 AM
Author: Citrine godawful old irish cottage

>>> 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=2E#48946436)



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: histrionic clown



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Paralegal Mohammad



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: bronze swashbuckling spot

Proles are literally financing tacos. What a world.

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



Reply Favorite

Date: May 20th, 2025 8:56 AM
Author: histrionic clown

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=2E#48946656)



Reply Favorite

Date: May 20th, 2025 3:36 AM
Author: Mildly autistic wonderful box office

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: Stimulating yarmulke gas station

"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=2E#48946434)



Reply Favorite

Date: May 20th, 2025 8:48 AM
Author: titillating national

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=2E#48946645)



Reply Favorite

Date: May 20th, 2025 5:31 PM
Author: DrakeMallardxo (🦆)

They are also evil

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



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: mind-boggling school

Holy shit, not flame.

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



Reply Favorite

Date: May 20th, 2025 8:56 AM
Author: histrionic clown



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: Thriller halford rigor



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: Disrespectful Judgmental Digit Ratio



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Pontificating crackhouse sweet tailpipe



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: dont run libs the crystal wardens see you



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: WOMAN STOMPER (No Future)



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: the walter white of this generation (walt jr.)

**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=2E#48948572)



Reply Favorite

Date: May 20th, 2025 8:49 AM
Author: Crawly lemon cuck nowag

isn't that basically every loan?

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



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: histrionic clown



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: \'\'\"\"\'\'\'\"

(finance mba)

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



Reply Favorite

Date: May 20th, 2025 8:58 AM
Author: histrionic clown

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=2E#48946660)



Reply Favorite

Date: May 20th, 2025 9:22 AM
Author: Soul-stirring crystalline lodge filthpig

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=2E#48946686)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: histrionic clown

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=2E#48946726)



Reply Favorite

Date: May 20th, 2025 9:38 AM
Author: aromatic dingle berry blood rage

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=2E#48946731)



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: histrionic clown

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=2E#48946742)



Reply Favorite

Date: May 20th, 2025 5:40 PM
Author: Paralegal Mohammad



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: drunken honey-headed factory reset button

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=2E#48946716)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: fear-inspiring passionate lay

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=2E#48946728)



Reply Favorite

Date: May 20th, 2025 9:38 AM
Author: aromatic dingle berry blood rage

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=2E#48946733)



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: histrionic clown



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: DrakeMallardxo (🦆)

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=2E#48948514)



Reply Favorite

Date: May 20th, 2025 5:56 PM
Author: Heil Hitler (TT6)

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=2E#48948585)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: razzle-dazzle mahogany parlor partner

tsinah hack

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



Reply Favorite

Date: May 20th, 2025 5:35 PM
Author: Emotionally + Physically Abusive Ex-Husband



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: heady sound barrier base

That's Anti-semitism

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



Reply Favorite

Date: May 20th, 2025 5:34 PM
Author: Emotionally + Physically Abusive Ex-Husband

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=2E#48948520)



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Pierbattista Pizzaballa

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

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



Reply Favorite

Date: May 20th, 2025 7:49 PM
Author: ....:::..:....:::..:...;;;..;...:.::


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

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



Reply Favorite

Date: May 21st, 2025 6:54 AM
Author: Pierbattista Pizzaballa

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=2E#48950142)



Reply Favorite

Date: May 21st, 2025 6:58 AM
Author: Pierbattista Pizzaballa

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=2E#48950145)



Reply Favorite

Date: May 21st, 2025 7:24 AM
Author: animeboi (.)

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=2E#48950163)