The most prestigious law school admissions discussion board in the world.
|
 |
 
|
irl goy here, what's the reason *not* to use Klarna?
Poast new message in this thread
Date: December 4th, 2025 10:53 AM Author: boyish bistre corner 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: bespoke stead azn 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=5310904",#49482999) |
 |
Date: December 4th, 2025 11:00 AM Author: boyish bistre corner is this some uber 2017 zirp VC cash thing (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483005) |
|
Date: December 4th, 2025 11:01 AM Author: concupiscible gas station new version 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=5310904",#49483007) |
|
Date: December 4th, 2025 12:03 PM Author: Galvanic yarmulke (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483228) |
|
Date: December 4th, 2025 11:00 AM Author: amethyst odious lodge 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. |
|
Date: December 4th, 2025 11:26 AM Author: Embarrassed to the bone menage codepig What if they repossess my bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483081) |
|
Date: December 4th, 2025 11:33 AM Author: amethyst odious lodge ESPECIALLY your bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483109) |
|
Date: December 4th, 2025 11:10 AM Author: tan hideous parlour old irish cottage 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=5310904",#49483020) |
|
Date: December 4th, 2025 11:34 AM Author: Dashing dun love of her life you should provide her a "bailout" (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483113) |
|
Date: December 4th, 2025 3:54 PM Author: vigorous volcanic crater My sous vide! (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483996) |
|
Date: December 4th, 2025 11:30 AM Author: Startled pink famous landscape painting 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=5310904",#49483100) |
|
Date: December 4th, 2025 11:44 AM Author: Violent Resort Messiness (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483150) |
|
Date: December 4th, 2025 11:52 AM Author: Comical salmon voyeur indirect expression (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483184) |
|
Date: December 4th, 2025 12:04 PM Author: Motley primrose area (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483229) |
|
Date: December 4th, 2025 12:23 PM Author: Judgmental buff travel guidebook cruise ship 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. |
|
Date: December 4th, 2025 12:24 PM Author: Motley primrose area 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=5310904",#49483292) |
|
Date: December 4th, 2025 2:21 PM Author: Up-to-no-good mediation principal's office this is yet another layer of jewish debt magic underneath your credit card debt
|
|
Date: December 4th, 2025 2:15 PM Author: Exciting ruby stain giraffe (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483648) |
|
Date: December 4th, 2025 2:19 PM Author: amber racy location 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 |
|
Date: December 4th, 2025 2:45 PM Author: marvelous mentally impaired state 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=5310904",#49483719) |
|
Date: April 3rd, 2026 7:48 PM Author: Crystalline Pea-brained Mad Cow Disease (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49792116) |
|
Date: December 4th, 2025 11:36 AM Author: Red Vivacious Box Office 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 |
|
Date: December 4th, 2025 11:37 AM Author: boyish bistre corner 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=5310904",#49483120) |
|
Date: December 4th, 2025 11:38 AM Author: Red Vivacious Box Office 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=5310904",#49483125) |
|
Date: December 4th, 2025 11:55 AM Author: floppy cuckoldry parlor 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=5310904",#49483194) |
|
Date: December 4th, 2025 12:02 PM Author: boyish bistre corner dbg oddly silent (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483220) |
|
Date: December 4th, 2025 12:04 PM Author: Red Vivacious Box Office rofl he's making my point (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483232) |
|
Date: December 4th, 2025 11:38 AM Author: hot yapping meetinghouse jew 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=5310904",#49483123) |
|
Date: December 4th, 2025 12:02 PM Author: Galvanic yarmulke (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483221) |
|
Date: December 4th, 2025 11:43 AM Author: Snowy house cuckold 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=5310904",#49483140) |
|
Date: December 4th, 2025 11:46 AM Author: Dashing dun love of her life (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483156) |
|
Date: December 4th, 2025 11:47 AM Author: Cream infuriating coffee pot 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=5310904",#49483159) |
|
Date: December 4th, 2025 11:48 AM Author: Nudist dilemma (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483165) |
|
Date: December 4th, 2025 11:51 AM Author: yellow stirring corn cake https://x.com/paul_hundred/status/1996621366184075337 (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483180) |
|
Date: December 4th, 2025 11:56 AM Author: boyish bistre corner we're famous again bros (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483198) |
|
Date: December 4th, 2025 11:58 AM Author: garnet partner cumskin (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483205) |
|
Date: December 4th, 2025 3:47 PM Author: Mind-boggling home (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483977) |
|
Date: December 4th, 2025 12:02 PM Author: Galvanic yarmulke Klarna’s a bitch (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49483222) |
|
Date: December 4th, 2025 2:14 PM Author: mint lettuce 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=5310904",#49483643) |
|
Date: April 3rd, 2026 7:48 PM Author: Multi-colored kitchen pozpig If ur not debtmaxxing rn ur dumb af (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310904",#49792117) |