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irl goy here, what's the reason *not* to use Klarna?
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Date: December 4th, 2025 10:53 AM Author: Iridescent splenetic school 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: bat shit crazy sable plaza 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=5310751",#49482999) |
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Date: December 4th, 2025 11:00 AM Author: Iridescent splenetic school is this some uber 2017 zirp VC cash thing (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483005) |
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Date: December 4th, 2025 11:01 AM Author: shimmering orchestra pit deer antler 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=5310751",#49483007) |
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Date: December 4th, 2025 12:03 PM Author: confused floppy immigrant volcanic crater (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483228) |
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Date: December 4th, 2025 11:00 AM Author: aquamarine national 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: slippery hyperventilating stain What if they repossess my bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483081) |
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Date: December 4th, 2025 11:33 AM Author: aquamarine national ESPECIALLY your bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483109) |
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Date: December 4th, 2025 11:10 AM Author: Exciting Ratface 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=5310751",#49483020) |
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Date: December 4th, 2025 11:34 AM Author: Rusted Ungodly Stead Dopamine you should provide her a "bailout" (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483113) |
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Date: December 4th, 2025 3:54 PM Author: Exhilarant house My sous vide! (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483996) |
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Date: December 4th, 2025 11:30 AM Author: White self-centered parlor 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=5310751",#49483100) |
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Date: December 4th, 2025 11:44 AM Author: Sooty Kitchen (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483150) |
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Date: December 4th, 2025 11:52 AM Author: Magical racy elastic band (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483184) |
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Date: December 4th, 2025 12:04 PM Author: pea-brained range (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483229) |
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Date: December 4th, 2025 12:23 PM Author: Saffron irate state twinkling uncleanness 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: pea-brained range 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=5310751",#49483292) |
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Date: December 4th, 2025 2:21 PM Author: Appetizing Stage 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: flushed address (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483648) |
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Date: December 4th, 2025 2:19 PM Author: Insanely Creepy Lay 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: Thriller Institution 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=5310751",#49483719) |
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Date: December 4th, 2025 11:36 AM Author: Odious reading party pocket flask 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: Iridescent splenetic school 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=5310751",#49483120) |
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Date: December 4th, 2025 11:38 AM Author: Odious reading party pocket flask 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=5310751",#49483125) |
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Date: December 4th, 2025 11:55 AM Author: comical citrine lodge 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=5310751",#49483194) |
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Date: December 4th, 2025 12:02 PM Author: Iridescent splenetic school dbg oddly silent (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483220) |
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Date: December 4th, 2025 12:04 PM Author: Odious reading party pocket flask rofl he's making my point (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483232) |
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Date: December 4th, 2025 11:38 AM Author: Disturbing school cafeteria ladyboy 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=5310751",#49483123) |
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Date: December 4th, 2025 12:02 PM Author: confused floppy immigrant volcanic crater (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483221) |
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Date: December 4th, 2025 11:43 AM Author: Turquoise stubborn tattoo 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=5310751",#49483140) |
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Date: December 4th, 2025 11:46 AM Author: Rusted Ungodly Stead Dopamine (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483156) |
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Date: December 4th, 2025 11:47 AM Author: Glittery library candlestick maker 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=5310751",#49483159) |
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Date: December 4th, 2025 11:48 AM Author: Bistre Gaming Laptop Tank (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483165) |
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Date: December 4th, 2025 11:51 AM Author: excitant messiness sneaky criminal https://x.com/paul_hundred/status/1996621366184075337 (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483180) |
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Date: December 4th, 2025 11:56 AM Author: Iridescent splenetic school we're famous again bros (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483198) |
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Date: December 4th, 2025 11:58 AM Author: marvelous godawful prole depressive (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483205) |
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Date: December 4th, 2025 3:47 PM Author: doobsian pit regret (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483977) |
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Date: December 4th, 2025 12:02 PM Author: confused floppy immigrant volcanic crater Klarna’s a bitch (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310751",#49483222) |
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Date: December 4th, 2025 2:14 PM Author: Talking claret ticket booth 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=5310751",#49483643) |