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irl goy here, what's the reason *not* to use Klarna?
| Talking background story | 12/04/25 |
| Out-of-control National | 12/04/25 |
| Talking background story | 12/04/25 |
| Pearl liquid oxygen point | 12/04/25 |
| umber sanctuary | 12/04/25 |
| Appetizing Dull Step-uncle's House Volcanic Crater | 12/04/25 |
| Self-centered Set | 12/04/25 |
| Appetizing Dull Step-uncle's House Volcanic Crater | 12/04/25 |
| mind-boggling coffee pot | 12/04/25 |
| marvelous house-broken philosopher-king patrolman | 12/04/25 |
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| Brindle milk | 12/04/25 |
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| Buff beady-eyed lay | 12/04/25 |
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| deep self-absorbed fortuitous meteor school | 12/04/25 |
| Motley insane ticket booth macaca | 12/04/25 |
| indigo keepsake machete national security agency | 12/04/25 |
| wonderful rusted senate place of business | 12/04/25 |
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| Pink partner sound barrier | 04/03/26 |
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| Talking background story | 12/04/25 |
| cordovan space mother | 12/04/25 |
| zombie-like hissy fit mental disorder | 12/04/25 |
| Talking background story | 12/04/25 |
| cordovan space mother | 12/04/25 |
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| umber sanctuary | 12/04/25 |
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| marvelous house-broken philosopher-king patrolman | 12/04/25 |
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| Floppy brass locus | 12/04/25 |
| Talking background story | 12/04/25 |
| Cerebral useless water buffalo | 12/04/25 |
| At-the-ready cruise ship mad cow disease | 12/04/25 |
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Poast new message in this thread
Date: December 4th, 2025 10:53 AM Author: Talking background story 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: Out-of-control National 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=2\u0026mark_id=5309378#49482999) |
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Date: December 4th, 2025 11:00 AM Author: Talking background story is this some uber 2017 zirp VC cash thing (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483005) |
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Date: December 4th, 2025 11:01 AM Author: Pearl liquid oxygen point 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=2\u0026mark_id=5309378#49483007) |
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Date: December 4th, 2025 12:03 PM Author: umber sanctuary (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483228) |
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Date: December 4th, 2025 11:00 AM Author: Appetizing Dull Step-uncle's House Volcanic Crater 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: Self-centered Set What if they repossess my bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483081) |
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Date: December 4th, 2025 11:33 AM Author: Appetizing Dull Step-uncle's House Volcanic Crater ESPECIALLY your bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483109) |
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Date: December 4th, 2025 11:10 AM Author: mind-boggling coffee pot A girl in my class is underwater on some McNuggets not flame (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483020) |
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Date: December 4th, 2025 11:34 AM Author: marvelous house-broken philosopher-king patrolman you should provide her a "bailout" (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483113) |
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Date: December 4th, 2025 3:54 PM Author: deranged opaque azn My sous vide! (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483996) |
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Date: December 4th, 2025 11:30 AM Author: Brindle milk 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=2\u0026mark_id=5309378#49483100) |
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Date: December 4th, 2025 11:44 AM Author: aqua vibrant sweet tailpipe (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483150) |
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Date: December 4th, 2025 11:52 AM Author: Buff beady-eyed lay (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483184) |
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Date: December 4th, 2025 12:04 PM Author: Motley insane ticket booth macaca (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483229) |
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Date: December 4th, 2025 12:23 PM Author: deep self-absorbed fortuitous meteor school 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: Motley insane ticket booth macaca 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=2\u0026mark_id=5309378#49483292) |
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Date: December 4th, 2025 2:21 PM Author: indigo keepsake machete national security agency 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: wonderful rusted senate place of business (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483648) |
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Date: December 4th, 2025 2:19 PM Author: Mustard glittery plaza 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: shivering excitant corner 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=2\u0026mark_id=5309378#49483719) |
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Date: April 3rd, 2026 7:48 PM Author: Pink partner sound barrier (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49792116) |
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Date: December 4th, 2025 11:36 AM Author: cordovan space mother 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: Talking background story 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=2\u0026mark_id=5309378#49483120) |
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Date: December 4th, 2025 11:38 AM Author: cordovan space mother 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=2\u0026mark_id=5309378#49483125) |
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Date: December 4th, 2025 11:55 AM Author: zombie-like hissy fit mental disorder 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=2\u0026mark_id=5309378#49483194) |
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Date: December 4th, 2025 12:02 PM Author: Talking background story dbg oddly silent (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483220) |
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Date: December 4th, 2025 12:04 PM Author: cordovan space mother rofl he's making my point (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483232) |
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Date: December 4th, 2025 11:38 AM Author: Exciting Elite Depressive Giraffe 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=2\u0026mark_id=5309378#49483123) |
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Date: December 4th, 2025 12:02 PM Author: umber sanctuary (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483221) |
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Date: December 4th, 2025 11:43 AM Author: Cyan New Version Goyim How long do you have to pay it off without interest? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483140) |
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Date: December 4th, 2025 11:46 AM Author: marvelous house-broken philosopher-king patrolman (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483156) |
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Date: December 4th, 2025 11:47 AM Author: Crimson Friendly Grandma House 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=2\u0026mark_id=5309378#49483159) |
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Date: December 4th, 2025 11:48 AM Author: Sable Reading Party (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483165) |
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Date: December 4th, 2025 11:51 AM Author: Floppy brass locus https://x.com/paul_hundred/status/1996621366184075337 (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483180) |
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Date: December 4th, 2025 11:56 AM Author: Talking background story we're famous again bros (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483198) |
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Date: December 4th, 2025 11:58 AM Author: Cerebral useless water buffalo (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483205) |
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Date: December 4th, 2025 3:47 PM Author: At-the-ready cruise ship mad cow disease (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483977) |
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Date: December 4th, 2025 12:02 PM Author: umber sanctuary Klarna’s a bitch (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49483222) |
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Date: December 4th, 2025 2:14 PM Author: claret dashing pisswyrm potus 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=2\u0026mark_id=5309378#49483643) |
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Date: April 3rd, 2026 7:48 PM Author: Sadistic orchestra pit If ur not debtmaxxing rn ur dumb af (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5309378#49792117) |