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

https://archive.ph/qqLnJ
Adventurous den cuck
  05/19/25
klarna's a bitch
rough-skinned bawdyhouse cumskin
  05/19/25
...
Underhanded organic girlfriend
  05/19/25
mondays
rusted spectacular chapel
  05/19/25
...
histrionic jap national
  05/19/25
...
fishy flatulent hairy legs
  05/19/25
...
Lascivious Macaca Dilemma
  05/20/25
...
Avocado Stirring Chad
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
Ivory Excitant Temple
  05/19/25
good luck repossessing my Taco Bell
Lime razzle depressive sweet tailpipe
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
arrogant tan field newt
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
Sickened diverse garrison filthpig
  05/20/25
Why do you “have to” buy a new iPhone every coup...
Mahogany stage french chef
  05/20/25
Because I break or lose the old one.
Sickened diverse garrison filthpig
  05/20/25
>>> I still do not understand how we went from a wo...
arrogant tan field newt
  05/20/25
...
curious mood psychic
  05/20/25
...
Boyish crotch
  05/20/25
Proles are literally financing tacos. What a world.
umber volcanic crater private investor
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
curious mood psychic
  05/20/25
Good
Unhinged Wonderful Degenerate Locale
  05/20/25
"Klarna, which presented Monday’s earnings via an...
aromatic round eye
  05/20/25
it turns out banks arent just "evil" and lending t...
provocative ladyboy people who are hurt
  05/20/25
They are also evil
arrogant tan field newt
  05/20/25
Holy shit, not flame.
sapphire duck-like pit factory reset button
  05/20/25
...
curious mood psychic
  05/20/25
...
Ivory Excitant Temple
  05/20/25
...
irradiated shaky dingle berry whorehouse
  05/20/25
...
supple doobsian library
  05/20/25
...
Mildly Autistic Big-titted Electric Furnace Theatre
  05/20/25
...
Avocado Stirring Chad
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
Sickened diverse garrison filthpig
  05/20/25
isn't that basically every loan?
Hairraiser heaven lettuce
  05/20/25
...
curious mood psychic
  05/20/25
(finance mba)
electric stage bbw
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
curious mood psychic
  05/20/25
they're obsessed with optimization but don't account for all...
bossy turquoise gaming laptop idea he suggested
  05/20/25
and because they're too autistic to understand and account f...
curious mood psychic
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
flushed violent corner
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
curious mood psychic
  05/20/25
...
Boyish crotch
  05/20/25
this is actually their business model though their busine...
House-broken menage windowlicker
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
Beady-eyed Center Faggotry
  05/20/25
twist: they sell these loan portfolios to others so they don...
flushed violent corner
  05/20/25
...
curious mood psychic
  05/20/25
This brilliant business model works until people no longer b...
arrogant tan field newt
  05/20/25
just increase penalty fees to juice the returns to offset th...
flushed violent corner
  05/20/25
tsinah hack
Marvelous Area Wagecucks
  05/20/25
...
big legend pistol
  05/20/25
That's Anti-semitism
Cream Fighting Crackhouse
  05/20/25
I don't need "credit" anymore. Should I start doi...
big legend pistol
  05/20/25
I’m shocked that financing burritos for proles is not ...
Internet-worthy office
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
Slate bonkers giraffe resort
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
Internet-worthy office
  05/21/25
Underreported part of this story is just how much Klarna and...
Internet-worthy office
  05/21/25
It was all worth it to keep line go up for a couple of extra...
sapphire duck-like pit factory reset button
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: Adventurous den cuck

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: rough-skinned bawdyhouse cumskin

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: Underhanded organic girlfriend



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: rusted spectacular chapel

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: histrionic jap national



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: fishy flatulent hairy legs



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: Lascivious Macaca Dilemma



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Avocado Stirring Chad



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: Ivory Excitant Temple

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: Lime razzle depressive sweet tailpipe

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: arrogant tan field newt

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: Sickened diverse garrison filthpig

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: Mahogany stage french chef

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: Sickened diverse garrison filthpig

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: arrogant tan field newt

>>> 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: curious mood psychic



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Boyish crotch



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: umber volcanic crater private investor

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: curious mood psychic

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: Unhinged Wonderful Degenerate Locale

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: aromatic round eye

"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: provocative ladyboy people who are hurt

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: arrogant tan field newt

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: sapphire duck-like pit factory reset button

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: curious mood psychic



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: Ivory Excitant Temple



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: irradiated shaky dingle berry whorehouse



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: supple doobsian library



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: Mildly Autistic Big-titted Electric Furnace Theatre



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Avocado Stirring Chad



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: Sickened diverse garrison filthpig

**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: Hairraiser heaven lettuce

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: curious mood psychic



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: electric stage bbw

(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: curious mood psychic

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: bossy turquoise gaming laptop idea he suggested

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: curious mood psychic

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: flushed violent corner

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: curious mood psychic

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: Boyish crotch



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: House-broken menage windowlicker

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: Beady-eyed Center Faggotry

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: flushed violent corner

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: curious mood psychic



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: arrogant tan field newt

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: flushed violent corner

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: Marvelous Area Wagecucks

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: big legend pistol



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Cream Fighting Crackhouse

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: big legend pistol

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: Internet-worthy office

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: Slate bonkers giraffe resort

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: Internet-worthy office

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: Internet-worthy office

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: sapphire duck-like pit factory reset button

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)