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irl goy here, what's the reason *not* to use Klarna?
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Poast new message in this thread
Date: December 4th, 2025 10:53 AM Author: beady-eyed yapping center I was buying a "towel warmer" online for my wife(also goy) and the "4 easy payments" Klarna ad popped up. It's the exact same price either way. So what is the catch - is it just that they gather detailed shopping info and send you ads? get to look at your credit report ? Or are they hoping you will miss a payment and hit you with some 99% apr upcharge? |
Date: December 4th, 2025 10:58 AM Author: domesticated theater stage there’s zero downside and they make absolutely no money at all providing that service (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49482999) |
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Date: December 4th, 2025 11:00 AM Author: beady-eyed yapping center is this some uber 2017 zirp VC cash thing (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483005) |
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Date: December 4th, 2025 11:01 AM Author: Laughsome violet address https://s205.q4cdn.com/644747736/files/doc_financials/2025/q3/Q3-2025-Earnings-Release.pdf (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483007) |
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Date: December 4th, 2025 12:03 PM Author: vermilion haunting school cafeteria mood (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483228) |
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Date: December 4th, 2025 11:00 AM Author: diverse corner associate they charge the retailer a %. it's the same thing with stores that used to offer 0% APR but instead of having a separate financing plan at every retailer these guys are trying to create a centralized system for retailer-funded low APR financing. that's why different retailers have different options.
it is a no brainer, but like most of these things it's a prole goy honeypot. people with money aren't going to worry about 0% APR on a couple hundred bucks. it's free money but not enough to care. meanwhile prole goys are gonna go ham and have trouble getting out from under it.
seeing klarna pop up as an option for mcdonalds purchases is giving me flashbacks of "no payments for 6 months!" interest only mortgages on 2007. |
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Date: December 4th, 2025 11:26 AM Author: bronze big-titted depressive What if they repossess my bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483081) |
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Date: December 4th, 2025 11:33 AM Author: diverse corner associate ESPECIALLY your bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483109) |
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Date: December 4th, 2025 11:10 AM Author: crusty titillating circlehead A girl in my class is underwater on some McNuggets not flame (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483020) |
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Date: December 4th, 2025 11:34 AM Author: Garnet house-broken senate filthpig you should provide her a "bailout" (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483113) |
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Date: December 4th, 2025 3:54 PM Author: gay rigpig My sous vide! (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483996) |
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Date: December 4th, 2025 11:30 AM Author: Passionate claret orchestra pit cuckoldry This is how you know America is actually 70% brown now. This would’ve been completely absurd with our demographics from like 15 years ago (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483100) |
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Date: December 4th, 2025 11:44 AM Author: seedy crimson state (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483150) |
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Date: December 4th, 2025 11:52 AM Author: High-end casino organic girlfriend (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483184) |
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Date: December 4th, 2025 12:04 PM Author: lavender range messiness (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483229) |
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Date: December 4th, 2025 12:23 PM Author: Marvelous meetinghouse pocket flask The phenomenon of putting *everything* on a credit card was widespread by then.
I don't see how this new BNPL stuff is substantially different than using a CC. |
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Date: December 4th, 2025 12:24 PM Author: lavender range messiness I use CC for whatever I can because I get points/miles/other benefits but I never run a balance. BNPL is pure credit at shitty rates. (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483292) |
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Date: December 4th, 2025 2:21 PM Author: Irradiated Heaven this is yet another layer of jewish debt magic underneath your credit card debt
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Date: December 4th, 2025 2:15 PM Author: black elite bawdyhouse factory reset button (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483648) |
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Date: December 4th, 2025 2:19 PM Author: bat-shit-crazy dashing feces This is how you know XO is full of shit when they claim to be simple prole men of America born to the working class
The Walmart layaway counter was the exact same shit 30 years ago |
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Date: December 4th, 2025 2:45 PM Author: umber juggernaut brunch You didn’t get your shit until you made the final payment. Layaway was to hold a specific item at a specific price when availability was less predictable. (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483719) |
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Date: April 3rd, 2026 7:48 PM Author: fiercely-loyal bisexual new version point (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49792116) |
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Date: December 4th, 2025 11:36 AM Author: sadistic rigor the "free money" argument is some real prole shit. jew here. lol @ the opportunity cost on the $75 you spent to buy headphones. that's peanuts and not worth worrying about when there's a risk of a missed payment and fucking up your credit.
much easier to get large amounts of "free money" in other ways |
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Date: December 4th, 2025 11:37 AM Author: beady-eyed yapping center nffi, I remember your nordstrom return arbitrage stories. that was *way* more work than this (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483120) |
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Date: December 4th, 2025 11:38 AM Author: sadistic rigor i wasnt doing it for the arbitrage. i was doing it to borrow clothes, and the arbitrage is just a bonus. (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483125) |
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Date: December 4th, 2025 11:55 AM Author: Vengeful Stimulating Pit Black Woman let’s say op goes big though, and makes a $200 purchase, with 25% down and 25% due over each of the next three months. assuming an 8% apr opportunity cost, he just netted $2. if it takes him 20 minutes to fill in his info, set up autopay, and confirm the transfers over the life of the loan, dood is bringing down a cool $6/hour. are you too good to work for $6/hr, hotshot? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483194) |
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Date: December 4th, 2025 12:02 PM Author: beady-eyed yapping center dbg oddly silent (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483220) |
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Date: December 4th, 2025 12:04 PM Author: sadistic rigor rofl he's making my point (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483232) |
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Date: December 4th, 2025 11:38 AM Author: histrionic native Legal hypo: Assume you order a chipotle burrito and ask for guac but quickly cancel and then pay with klarna just as the guac leaves the guacscoop, then you default on your loan, can your SNAP/EBT benefits be garnished? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483123) |
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Date: December 4th, 2025 12:02 PM Author: vermilion haunting school cafeteria mood (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483221) |
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Date: December 4th, 2025 11:43 AM Author: boyish brethren How long do you have to pay it off without interest? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483140) |
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Date: December 4th, 2025 11:46 AM Author: Garnet house-broken senate filthpig (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483156) |
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Date: December 4th, 2025 11:47 AM Author: exciting cruise ship Rach can you turn on location for every post like they did on Twitter (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483159) |
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Date: December 4th, 2025 11:48 AM Author: Crystalline locale toilet seat (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483165) |
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Date: December 4th, 2025 11:51 AM Author: sapphire community account dilemma https://x.com/paul_hundred/status/1996621366184075337 (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483180) |
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Date: December 4th, 2025 11:56 AM Author: beady-eyed yapping center we're famous again bros (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483198) |
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Date: December 4th, 2025 11:58 AM Author: Chestnut skinny woman (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483205) |
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Date: December 4th, 2025 3:47 PM Author: kink-friendly odious ticket booth kitty (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483977) |
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Date: December 4th, 2025 12:02 PM Author: vermilion haunting school cafeteria mood Klarna’s a bitch (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483222) |
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Date: December 4th, 2025 2:14 PM Author: charcoal vivacious really tough guy stag film Can illegals use this shit? You need a SSN or what? Is there widespread beaner fraud? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49483643) |
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Date: April 3rd, 2026 7:48 PM Author: Flickering step-uncle's house old irish cottage (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2Reputation#49792117) |