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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: orange violent stage keepsake machete 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: Comical Electric Furnace 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=5310481",#49482999) |
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Date: December 4th, 2025 11:00 AM Author: orange violent stage keepsake machete is this some uber 2017 zirp VC cash thing (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483005) |
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Date: December 4th, 2025 11:01 AM Author: Cerebral Area Liquid Oxygen 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=5310481",#49483007) |
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Date: December 4th, 2025 12:03 PM Author: Mischievous lime indian lodge community account (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483228) |
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Date: December 4th, 2025 11:00 AM Author: galvanic twisted office boiling water 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: vibrant ticket booth What if they repossess my bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483081) |
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Date: December 4th, 2025 11:33 AM Author: galvanic twisted office boiling water ESPECIALLY your bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483109) |
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Date: December 4th, 2025 11:10 AM Author: Irate balding kitchen 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=5310481",#49483020) |
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Date: December 4th, 2025 11:34 AM Author: Irradiated Scarlet Love Of Her Life House you should provide her a "bailout" (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483113) |
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Date: December 4th, 2025 3:54 PM Author: Federal bateful library genital piercing My sous vide! (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483996) |
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Date: December 4th, 2025 11:30 AM Author: Odious goal in life hell 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=5310481",#49483100) |
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Date: December 4th, 2025 11:44 AM Author: Brilliant Curious Clown Institution (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483150) |
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Date: December 4th, 2025 11:52 AM Author: spectacular charcoal parlour idea he suggested (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483184) |
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Date: December 4th, 2025 12:04 PM Author: slap-happy plum mexican theatre (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483229) |
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Date: December 4th, 2025 12:23 PM Author: Razzle chrome coldplay fan international law enforcement agency 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: slap-happy plum mexican theatre 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=5310481",#49483292) |
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Date: December 4th, 2025 2:21 PM Author: Demanding field 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: mahogany cocky step-uncle's house (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483648) |
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Date: December 4th, 2025 2:19 PM Author: vivacious fortuitous meteor dilemma 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: flatulent lodge windowlicker 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=5310481",#49483719) |
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Date: December 4th, 2025 11:36 AM Author: Electric sanctuary quadroon 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: orange violent stage keepsake machete 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=5310481",#49483120) |
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Date: December 4th, 2025 11:38 AM Author: Electric sanctuary quadroon 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=5310481",#49483125) |
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Date: December 4th, 2025 11:55 AM Author: costumed bespoke pisswyrm multi-billionaire 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=5310481",#49483194) |
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Date: December 4th, 2025 12:02 PM Author: orange violent stage keepsake machete dbg oddly silent (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483220) |
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Date: December 4th, 2025 12:04 PM Author: Electric sanctuary quadroon rofl he's making my point (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483232) |
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Date: December 4th, 2025 11:38 AM Author: arousing theater private investor 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=5310481",#49483123) |
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Date: December 4th, 2025 12:02 PM Author: Mischievous lime indian lodge community account (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483221) |
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Date: December 4th, 2025 11:43 AM Author: clear organic girlfriend 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=5310481",#49483140) |
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Date: December 4th, 2025 11:46 AM Author: Irradiated Scarlet Love Of Her Life House (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483156) |
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Date: December 4th, 2025 11:47 AM Author: Territorial Garnet Gunner Wagecucks 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=5310481",#49483159) |
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Date: December 4th, 2025 11:48 AM Author: Adulterous sex offender (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483165) |
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Date: December 4th, 2025 11:51 AM Author: beady-eyed alcoholic rigpig weed whacker https://x.com/paul_hundred/status/1996621366184075337 (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483180) |
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Date: December 4th, 2025 11:56 AM Author: orange violent stage keepsake machete we're famous again bros (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483198) |
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Date: December 4th, 2025 11:58 AM Author: thriller jet-lagged trust fund (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483205) |
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Date: December 4th, 2025 3:47 PM Author: Claret mood cumskin (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483977) |
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Date: December 4th, 2025 12:02 PM Author: Mischievous lime indian lodge community account Klarna’s a bitch (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310481",#49483222) |
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Date: December 4th, 2025 2:14 PM Author: French frozen twinkling uncleanness tanning salon 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=5310481",#49483643) |