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

https://archive.ph/qqLnJ
arrogant arousing party of the first part
  05/19/25
klarna's a bitch
slimy deer antler main people
  05/19/25
...
obsidian titillating business firm sneaky criminal
  05/19/25
mondays
transparent trip hominid
  05/19/25
...
sexy crackhouse immigrant
  05/19/25
...
Vigorous macaca friendly grandma
  05/19/25
...
Glittery slap-happy kitty toilet seat
  05/20/25
...
misunderstood spot pozpig
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
Henna sick office
  05/19/25
good luck repossessing my Taco Bell
fragrant stubborn yarmulke boltzmann
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
charcoal tanning salon
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
Hyperactive dysfunction fat ankles
  05/20/25
Why do you “have to” buy a new iPhone every coup...
Abnormal lavender filthpig
  05/20/25
Because I break or lose the old one.
Hyperactive dysfunction fat ankles
  05/20/25
>>> I still do not understand how we went from a wo...
charcoal tanning salon
  05/20/25
...
Effete foreskin base
  05/20/25
...
Lemon marvelous goal in life
  05/20/25
Proles are literally financing tacos. What a world.
charismatic trailer park skinny woman
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
Effete foreskin base
  05/20/25
Good
Soul-stirring High-end Parlor Cuckoldry
  05/20/25
"Klarna, which presented Monday’s earnings via an...
Magical public bath giraffe
  05/20/25
it turns out banks arent just "evil" and lending t...
poppy chad
  05/20/25
They are also evil
charcoal tanning salon
  05/20/25
Holy shit, not flame.
Thriller canary striped hyena
  05/20/25
...
Effete foreskin base
  05/20/25
...
Henna sick office
  05/20/25
...
Big insane market
  05/20/25
...
Tantric Passionate Corn Cake Stage
  05/20/25
...
Mustard Diverse Indian Lodge Ratface
  05/20/25
...
misunderstood spot pozpig
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
Hyperactive dysfunction fat ankles
  05/20/25
isn't that basically every loan?
appetizing knife
  05/20/25
...
Effete foreskin base
  05/20/25
(finance mba)
Brass persian idea he suggested
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
Effete foreskin base
  05/20/25
they're obsessed with optimization but don't account for all...
provocative narrow-minded theater stage
  05/20/25
and because they're too autistic to understand and account f...
Effete foreskin base
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
Odious point national security agency
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
Effete foreskin base
  05/20/25
...
Lemon marvelous goal in life
  05/20/25
this is actually their business model though their busine...
bull headed mother
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
multi-colored zombie-like theatre
  05/20/25
twist: they sell these loan portfolios to others so they don...
Odious point national security agency
  05/20/25
...
Effete foreskin base
  05/20/25
This brilliant business model works until people no longer b...
charcoal tanning salon
  05/20/25
just increase penalty fees to juice the returns to offset th...
Odious point national security agency
  05/20/25
tsinah hack
deranged scourge upon the earth keepsake machete
  05/20/25
...
splenetic national digit ratio
  05/20/25
That's Anti-semitism
pontificating voyeur
  05/20/25
I don't need "credit" anymore. Should I start doi...
splenetic national digit ratio
  05/20/25
I’m shocked that financing burritos for proles is not ...
Elite Indirect Expression Hairy Legs
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
indigo boyish psychic corner
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
Elite Indirect Expression Hairy Legs
  05/21/25
Underreported part of this story is just how much Klarna and...
Elite Indirect Expression Hairy Legs
  05/21/25
It was all worth it to keep line go up for a couple of extra...
Thriller canary striped hyena
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: arrogant arousing party of the first part

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: slimy deer antler main people

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: obsidian titillating business firm sneaky criminal



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: transparent trip hominid

mondays

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



Reply Favorite

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



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: Vigorous macaca friendly grandma



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: Glittery slap-happy kitty toilet seat



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: misunderstood spot pozpig



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: Henna sick office

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: fragrant stubborn yarmulke boltzmann

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: charcoal tanning salon

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: Hyperactive dysfunction fat ankles

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: Abnormal lavender filthpig

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: Hyperactive dysfunction fat ankles

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: charcoal tanning salon

>>> 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: Effete foreskin base



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Lemon marvelous goal in life



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: charismatic trailer park skinny woman

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: Effete foreskin base

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: Soul-stirring High-end Parlor Cuckoldry

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: Magical public bath giraffe

"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: poppy chad

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: charcoal tanning salon

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: Thriller canary striped hyena

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: Effete foreskin base



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: Henna sick office



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



Reply Favorite

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



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Tantric Passionate Corn Cake Stage



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: Mustard Diverse Indian Lodge Ratface



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: misunderstood spot pozpig



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: Hyperactive dysfunction fat ankles

**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: appetizing knife

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: Effete foreskin base



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: Brass persian idea he suggested

(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: Effete foreskin base

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: provocative narrow-minded theater stage

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: Effete foreskin base

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: Odious point national security agency

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: Effete foreskin base

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: Lemon marvelous goal in life



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: bull headed mother

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: multi-colored zombie-like theatre

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: Odious point national security agency

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: Effete foreskin base



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: charcoal tanning salon

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: Odious point national security agency

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: deranged scourge upon the earth keepsake machete

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: splenetic national digit ratio



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: pontificating voyeur

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: splenetic national digit ratio

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: Elite Indirect Expression Hairy Legs

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: indigo boyish psychic corner

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: Elite Indirect Expression Hairy Legs

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: Elite Indirect Expression Hairy Legs

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: Thriller canary striped hyena

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)