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

https://archive.ph/qqLnJ
hilarious spot coffee pot
  05/19/25
klarna's a bitch
fragrant alcoholic depressive piazza
  05/19/25
...
spruce cuckoldry
  05/19/25
mondays
erotic burgundy personal credit line
  05/19/25
...
Laughsome irate new version trump supporter
  05/19/25
...
massive aromatic partner institution
  05/19/25
...
Heady nursing home fortuitous meteor
  05/20/25
...
Exhilarant cream death wish
  05/20/25
you mean my tranche of burrito loans doesnt deserve that AAA...
pearly pisswyrm
  05/19/25
good luck repossessing my Taco Bell
henna police squad goal in life
  05/19/25
Michael Burry currently making millions shorting Chipotle Bu...
red godawful love of her life lettuce
  05/20/25
Good. Jesus Christ. Every couple years when I have to ...
appetizing old irish cottage keepsake machete
  05/20/25
Why do you “have to” buy a new iPhone every coup...
razzmatazz international law enforcement agency hominid
  05/20/25
Because I break or lose the old one.
appetizing old irish cottage keepsake machete
  05/20/25
>>> I still do not understand how we went from a wo...
red godawful love of her life lettuce
  05/20/25
...
Yellow curious mad-dog skullcap useless brakes
  05/20/25
...
Sepia flirting field tank
  05/20/25
Proles are literally financing tacos. What a world.
Cordovan thriller church building digit ratio
  05/20/25
ubereats as a tab for SNAP which seems like a red flag for t...
Yellow curious mad-dog skullcap useless brakes
  05/20/25
Good
Vibrant university
  05/20/25
"Klarna, which presented Monday’s earnings via an...
Magenta Lodge Wagecucks
  05/20/25
it turns out banks arent just "evil" and lending t...
concupiscible shimmering candlestick maker indian lodge
  05/20/25
They are also evil
red godawful love of her life lettuce
  05/20/25
Holy shit, not flame.
Mahogany razzle stead deer antler
  05/20/25
...
Yellow curious mad-dog skullcap useless brakes
  05/20/25
...
pearly pisswyrm
  05/20/25
...
Big Scourge Upon The Earth
  05/20/25
...
obsidian background story potus
  05/20/25
...
splenetic floppy double fault
  05/20/25
...
Exhilarant cream death wish
  05/20/25
**lib sees that AI avatar is ambiguously multiracial and has...
appetizing old irish cottage keepsake machete
  05/20/25
isn't that basically every loan?
Up-to-no-good rose rigor
  05/20/25
...
Yellow curious mad-dog skullcap useless brakes
  05/20/25
(finance mba)
cerise range internal respiration
  05/20/25
ever notice that tech Engineers fail like this constantly? i...
Yellow curious mad-dog skullcap useless brakes
  05/20/25
they're obsessed with optimization but don't account for all...
Mint charismatic cuck
  05/20/25
and because they're too autistic to understand and account f...
Yellow curious mad-dog skullcap useless brakes
  05/20/25
i am MAF i didnt invest in carvana. look is stock last 2-3 y...
electric hunting ground
  05/20/25
lmfao holy shit! i thought of carvana when i made this po...
Yellow curious mad-dog skullcap useless brakes
  05/20/25
...
Sepia flirting field tank
  05/20/25
this is actually their business model though their busine...
sinister bbw
  05/20/25
you are dreaming if you think it's only dumb Blacks, prole w...
Gold apoplectic lay
  05/20/25
twist: they sell these loan portfolios to others so they don...
electric hunting ground
  05/20/25
...
Yellow curious mad-dog skullcap useless brakes
  05/20/25
This brilliant business model works until people no longer b...
red godawful love of her life lettuce
  05/20/25
just increase penalty fees to juice the returns to offset th...
electric hunting ground
  05/20/25
tsinah hack
High-end duck-like tanning salon
  05/20/25
...
supple naked dilemma headpube
  05/20/25
That's Anti-semitism
Pungent comical corner
  05/20/25
I don't need "credit" anymore. Should I start doi...
supple naked dilemma headpube
  05/20/25
I’m shocked that financing burritos for proles is not ...
Unholy dark boistinker
  05/20/25
Is Affirm in equally bad shape or is this specific to Klarna...
Dashing bright bawdyhouse half-breed
  05/20/25
lol, it’s the model that’s fucked. Maybe one ha...
Unholy dark boistinker
  05/21/25
Underreported part of this story is just how much Klarna and...
Unholy dark boistinker
  05/21/25
It was all worth it to keep line go up for a couple of extra...
Mahogany razzle stead deer antler
  05/21/25


Poast new message in this thread



Reply Favorite

Date: May 19th, 2025 10:21 PM
Author: hilarious spot coffee pot

https://archive.ph/qqLnJ

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



Reply Favorite

Date: May 19th, 2025 10:23 PM
Author: fragrant alcoholic depressive piazza

klarna's a bitch

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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: spruce cuckoldry



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



Reply Favorite

Date: May 19th, 2025 10:24 PM
Author: erotic burgundy personal credit line

mondays

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



Reply Favorite

Date: May 19th, 2025 10:25 PM
Author: Laughsome irate new version trump supporter



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



Reply Favorite

Date: May 19th, 2025 10:28 PM
Author: massive aromatic partner institution



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



Reply Favorite

Date: May 20th, 2025 3:42 AM
Author: Heady nursing home fortuitous meteor



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Exhilarant cream death wish



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



Reply Favorite

Date: May 19th, 2025 10:26 PM
Author: pearly pisswyrm

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

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



Reply Favorite

Date: May 19th, 2025 10:37 PM
Author: henna police squad goal in life

good luck repossessing my Taco Bell



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



Reply Favorite

Date: May 20th, 2025 2:12 AM
Author: red godawful love of her life lettuce

Michael Burry currently making millions shorting Chipotle Burrito Bowl CLOs

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



Reply Favorite

Date: May 20th, 2025 2:26 AM
Author: appetizing old irish cottage keepsake machete

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=2#48946391)



Reply Favorite

Date: May 20th, 2025 2:37 AM
Author: razzmatazz international law enforcement agency hominid

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

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



Reply Favorite

Date: May 20th, 2025 3:34 AM
Author: appetizing old irish cottage keepsake machete

Because I break or lose the old one.

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



Reply Favorite

Date: May 20th, 2025 4:02 AM
Author: red godawful love of her life lettuce

>>> 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=2#48946436)



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: Yellow curious mad-dog skullcap useless brakes



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



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Sepia flirting field tank



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



Reply Favorite

Date: May 20th, 2025 2:46 AM
Author: Cordovan thriller church building digit ratio

Proles are literally financing tacos. What a world.

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



Reply Favorite

Date: May 20th, 2025 8:56 AM
Author: Yellow curious mad-dog skullcap useless brakes

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=2#48946656)



Reply Favorite

Date: May 20th, 2025 3:36 AM
Author: Vibrant university

Good

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



Reply Favorite

Date: May 20th, 2025 3:54 AM
Author: Magenta Lodge Wagecucks

"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=2#48946434)



Reply Favorite

Date: May 20th, 2025 8:48 AM
Author: concupiscible shimmering candlestick maker indian lodge

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=2#48946645)



Reply Favorite

Date: May 20th, 2025 5:31 PM
Author: red godawful love of her life lettuce

They are also evil

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



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: Mahogany razzle stead deer antler

Holy shit, not flame.

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



Reply Favorite

Date: May 20th, 2025 8:56 AM
Author: Yellow curious mad-dog skullcap useless brakes



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



Reply Favorite

Date: May 20th, 2025 9:08 AM
Author: pearly pisswyrm



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



Reply Favorite

Date: May 20th, 2025 9:27 AM
Author: Big Scourge Upon The Earth



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



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: obsidian background story potus



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



Reply Favorite

Date: May 20th, 2025 5:37 PM
Author: splenetic floppy double fault



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



Reply Favorite

Date: May 20th, 2025 5:43 PM
Author: Exhilarant cream death wish



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



Reply Favorite

Date: May 20th, 2025 5:51 PM
Author: appetizing old irish cottage keepsake machete

**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=2#48948572)



Reply Favorite

Date: May 20th, 2025 8:49 AM
Author: Up-to-no-good rose rigor

isn't that basically every loan?

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



Reply Favorite

Date: May 20th, 2025 8:55 AM
Author: Yellow curious mad-dog skullcap useless brakes



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



Reply Favorite

Date: May 20th, 2025 5:44 PM
Author: cerise range internal respiration

(finance mba)

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



Reply Favorite

Date: May 20th, 2025 8:58 AM
Author: Yellow curious mad-dog skullcap useless brakes

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=2#48946660)



Reply Favorite

Date: May 20th, 2025 9:22 AM
Author: Mint charismatic cuck

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=2#48946686)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Yellow curious mad-dog skullcap useless brakes

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=2#48946726)



Reply Favorite

Date: May 20th, 2025 9:38 AM
Author: electric hunting ground

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=2#48946731)



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Yellow curious mad-dog skullcap useless brakes

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=2#48946742)



Reply Favorite

Date: May 20th, 2025 5:40 PM
Author: Sepia flirting field tank



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



Reply Favorite

Date: May 20th, 2025 9:35 AM
Author: sinister bbw

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=2#48946716)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: Gold apoplectic 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=2#48946728)



Reply Favorite

Date: May 20th, 2025 9:38 AM
Author: electric hunting ground

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=2#48946733)



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Yellow curious mad-dog skullcap useless brakes



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



Reply Favorite

Date: May 20th, 2025 5:32 PM
Author: red godawful love of her life lettuce

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=2#48948514)



Reply Favorite

Date: May 20th, 2025 5:56 PM
Author: electric hunting ground

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=2#48948585)



Reply Favorite

Date: May 20th, 2025 9:37 AM
Author: High-end duck-like tanning salon

tsinah hack

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



Reply Favorite

Date: May 20th, 2025 5:35 PM
Author: supple naked dilemma headpube



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



Reply Favorite

Date: May 20th, 2025 9:40 AM
Author: Pungent comical corner

That's Anti-semitism

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



Reply Favorite

Date: May 20th, 2025 5:34 PM
Author: supple naked dilemma headpube

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=2#48948520)



Reply Favorite

Date: May 20th, 2025 5:39 PM
Author: Unholy dark boistinker

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

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



Reply Favorite

Date: May 20th, 2025 7:49 PM
Author: Dashing bright bawdyhouse half-breed

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

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



Reply Favorite

Date: May 21st, 2025 6:54 AM
Author: Unholy dark boistinker

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=2#48950142)



Reply Favorite

Date: May 21st, 2025 6:58 AM
Author: Unholy dark boistinker

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=2#48950145)



Reply Favorite

Date: May 21st, 2025 7:24 AM
Author: Mahogany razzle stead deer antler

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=2#48950163)