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

https://archive.ph/qqLnJ
fear-inspiring anal tattoo
  05/19/25
klarna's a bitch
glittery mildly autistic lodge
  05/19/25
...
Flirting khaki philosopher-king
  05/19/25
mondays
Indigo wonderful giraffe
  05/19/25
...
Violet crackhouse
  05/19/25
...
Translucent stirring boistinker
  05/19/25
...
swashbuckling parlor
  05/20/25
...
know-it-all brilliant theater stage
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
sickened fantasy-prone faggotry
  05/19/25
good luck repossessing my Taco Bell
curious narrow-minded center prole
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
rusted national security agency
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
cobalt slimy turdskin
  05/20/25
Why do you “have to” buy a new iPhone every coup...
hairraiser bistre mood foreskin
  05/20/25
Because I break or lose the old one.
cobalt slimy turdskin
  05/20/25
>>> I still do not understand how we went from a wo...
rusted national security agency
  05/20/25
...
cerebral painfully honest pocket flask juggernaut
  05/20/25
...
Cordovan Cumskin
  05/20/25
Proles are literally financing tacos. What a world.
sepia degenerate
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
cerebral painfully honest pocket flask juggernaut
  05/20/25
Good
Dark depressive
  05/20/25
"Klarna, which presented Monday’s earnings via an...
tripping ape
  05/20/25
it turns out banks arent just "evil" and lending t...
Bateful azn reading party
  05/20/25
They are also evil
rusted national security agency
  05/20/25
Holy shit, not flame.
Abnormal rough-skinned coldplay fan home
  05/20/25
...
cerebral painfully honest pocket flask juggernaut
  05/20/25
...
sickened fantasy-prone faggotry
  05/20/25
...
Big whorehouse
  05/20/25
...
submissive tantric stead
  05/20/25
...
low-t double fault
  05/20/25
...
know-it-all brilliant theater stage
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
cobalt slimy turdskin
  05/20/25
isn't that basically every loan?
cocky location
  05/20/25
...
cerebral painfully honest pocket flask juggernaut
  05/20/25
(finance mba)
startled background story
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
cerebral painfully honest pocket flask juggernaut
  05/20/25
they're obsessed with optimization but don't account for all...
Misunderstood marketing idea
  05/20/25
and because they're too autistic to understand and account f...
cerebral painfully honest pocket flask juggernaut
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
bull headed stimulating pit headpube
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
cerebral painfully honest pocket flask juggernaut
  05/20/25
...
Cordovan Cumskin
  05/20/25
this is actually their business model though their busine...
chestnut supple property codepig
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
topaz institution skinny woman
  05/20/25
twist: they sell these loan portfolios to others so they don...
bull headed stimulating pit headpube
  05/20/25
...
cerebral painfully honest pocket flask juggernaut
  05/20/25
This brilliant business model works until people no longer b...
rusted national security agency
  05/20/25
just increase penalty fees to juice the returns to offset th...
bull headed stimulating pit headpube
  05/20/25
tsinah hack
sienna market
  05/20/25
...
Olive Maniacal Spot
  05/20/25
That's Anti-semitism
lascivious shaky state hunting ground
  05/20/25
I don't need "credit" anymore. Should I start doi...
Olive Maniacal Spot
  05/20/25
I’m shocked that financing burritos for proles is not ...
puce organic girlfriend
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
Magenta diverse water buffalo
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
puce organic girlfriend
  05/21/25
Underreported part of this story is just how much Klarna and...
puce organic girlfriend
  05/21/25
It was all worth it to keep line go up for a couple of extra...
Abnormal rough-skinned coldplay fan home
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: fear-inspiring anal tattoo

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: glittery mildly autistic lodge

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: Flirting khaki philosopher-king



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: Indigo wonderful giraffe

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: Violet crackhouse



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: Translucent stirring boistinker



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: swashbuckling parlor



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: know-it-all brilliant theater stage



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: sickened fantasy-prone faggotry

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: curious narrow-minded center prole

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: rusted national security agency

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: cobalt slimy turdskin

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: hairraiser bistre mood foreskin

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: cobalt slimy turdskin

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: rusted national security agency

>>> 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: cerebral painfully honest pocket flask juggernaut



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Cordovan Cumskin



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: sepia degenerate

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: cerebral painfully honest pocket flask juggernaut

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: Dark depressive

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: tripping ape

"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: Bateful azn reading party

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: rusted national security agency

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: Abnormal rough-skinned coldplay fan home

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: cerebral painfully honest pocket flask juggernaut



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: sickened fantasy-prone faggotry



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: Big whorehouse



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: submissive tantric stead



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: low-t double fault



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: know-it-all brilliant theater stage



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: cobalt slimy turdskin

**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: cocky location

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: cerebral painfully honest pocket flask juggernaut



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: startled background story

(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: cerebral painfully honest pocket flask juggernaut

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: Misunderstood marketing idea

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: cerebral painfully honest pocket flask juggernaut

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: bull headed stimulating pit headpube

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: cerebral painfully honest pocket flask juggernaut

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: Cordovan Cumskin



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: chestnut supple property codepig

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: topaz institution skinny woman

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: bull headed stimulating pit headpube

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: cerebral painfully honest pocket flask juggernaut



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: rusted national security agency

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: bull headed stimulating pit headpube

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: sienna market

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: Olive Maniacal Spot



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: lascivious shaky state hunting ground

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: Olive Maniacal Spot

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: puce organic girlfriend

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: Magenta diverse water buffalo

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: puce organic girlfriend

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: puce organic girlfriend

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: Abnormal rough-skinned coldplay fan home

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)