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irl goy here, what's the reason *not* to use Klarna?
| 180 Walnut Generalized Bond | 12/04/25 |
| Insanely Creepy Talented Masturbator | 12/04/25 |
| 180 Walnut Generalized Bond | 12/04/25 |
| Cream scourge upon the earth parlour | 12/04/25 |
| flesh angry volcanic crater | 12/04/25 |
| Domesticated Deep Rehab Candlestick Maker | 12/04/25 |
| Curious Lavender Death Wish Home | 12/04/25 |
| Domesticated Deep Rehab Candlestick Maker | 12/04/25 |
| Judgmental awkward really tough guy public bath | 12/04/25 |
| twinkling hominid roast beef | 12/04/25 |
| Henna Antidepressant Drug | 12/04/25 |
| crystalline overrated theater stage | 12/04/25 |
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| Odious lilac cruise ship hairy legs | 12/04/25 |
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| aphrodisiac charcoal toaster | 12/04/25 |
| Talking rigpig parlor | 12/04/25 |
| Jade swollen karate | 12/04/25 |
| Provocative Bearded Chapel | 12/04/25 |
| Self-centered garrison place of business | 12/04/25 |
| Filthy Love Of Her Life Crackhouse | 12/04/25 |
| 180 Walnut Generalized Bond | 12/04/25 |
| Filthy Love Of Her Life Crackhouse | 12/04/25 |
| Ungodly green institution fat ankles | 12/04/25 |
| 180 Walnut Generalized Bond | 12/04/25 |
| Filthy Love Of Her Life Crackhouse | 12/04/25 |
| mind-boggling vengeful dog poop | 12/04/25 |
| flesh angry volcanic crater | 12/04/25 |
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| 180 Walnut Generalized Bond | 12/04/25 |
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| flesh angry volcanic crater | 12/04/25 |
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Poast new message in this thread
Date: December 4th, 2025 10:53 AM Author: 180 Walnut Generalized Bond 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: Insanely Creepy Talented Masturbator 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=5310906",#49482999) |
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Date: December 4th, 2025 11:00 AM Author: 180 Walnut Generalized Bond is this some uber 2017 zirp VC cash thing (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483005) |
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Date: December 4th, 2025 11:01 AM Author: Cream scourge upon the earth parlour 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=5310906",#49483007) |
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Date: December 4th, 2025 12:03 PM Author: flesh angry volcanic crater (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483228) |
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Date: December 4th, 2025 11:00 AM Author: Domesticated Deep Rehab Candlestick Maker 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: Curious Lavender Death Wish Home What if they repossess my bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483081) |
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Date: December 4th, 2025 11:33 AM Author: Domesticated Deep Rehab Candlestick Maker ESPECIALLY your bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483109) |
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Date: December 4th, 2025 11:10 AM Author: Judgmental awkward really tough guy public bath 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=5310906",#49483020) |
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Date: December 4th, 2025 11:34 AM Author: twinkling hominid roast beef you should provide her a "bailout" (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483113) |
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Date: December 4th, 2025 3:54 PM Author: Henna Antidepressant Drug My sous vide! (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483996) |
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Date: December 4th, 2025 11:30 AM Author: crystalline overrated theater stage 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=5310906",#49483100) |
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Date: December 4th, 2025 11:44 AM Author: Avocado bossy boistinker laser beams (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483150) |
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Date: December 4th, 2025 11:52 AM Author: Odious lilac cruise ship hairy legs (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483184) |
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Date: December 4th, 2025 12:04 PM Author: aphrodisiac charcoal toaster (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483229) |
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Date: December 4th, 2025 12:23 PM Author: cyan sweet tailpipe foreskin 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: aphrodisiac charcoal toaster 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=5310906",#49483292) |
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Date: December 4th, 2025 2:21 PM Author: Talking rigpig parlor 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: Jade swollen karate (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483648) |
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Date: December 4th, 2025 2:19 PM Author: Provocative Bearded Chapel 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: Self-centered garrison place of business 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=5310906",#49483719) |
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Date: December 4th, 2025 11:36 AM Author: Filthy Love Of Her Life Crackhouse 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: 180 Walnut Generalized Bond 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=5310906",#49483120) |
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Date: December 4th, 2025 11:38 AM Author: Filthy Love Of Her Life Crackhouse 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=5310906",#49483125) |
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Date: December 4th, 2025 11:55 AM Author: Ungodly green institution fat ankles 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=5310906",#49483194) |
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Date: December 4th, 2025 12:02 PM Author: 180 Walnut Generalized Bond dbg oddly silent (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483220) |
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Date: December 4th, 2025 12:04 PM Author: Filthy Love Of Her Life Crackhouse rofl he's making my point (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483232) |
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Date: December 4th, 2025 11:38 AM Author: mind-boggling vengeful dog poop 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=5310906",#49483123) |
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Date: December 4th, 2025 12:02 PM Author: flesh angry volcanic crater (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483221) |
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Date: December 4th, 2025 11:43 AM Author: Cobalt corn cake 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=5310906",#49483140) |
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Date: December 4th, 2025 11:46 AM Author: twinkling hominid roast beef (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483156) |
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Date: December 4th, 2025 11:47 AM Author: Purple Arrogant Factory Reset Button 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=5310906",#49483159) |
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Date: December 4th, 2025 11:48 AM Author: comical maroon state deer antler (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483165) |
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Date: December 4th, 2025 11:51 AM Author: Chrome dragon immigrant https://x.com/paul_hundred/status/1996621366184075337 (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483180) |
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Date: December 4th, 2025 11:56 AM Author: 180 Walnut Generalized Bond we're famous again bros (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483198) |
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Date: December 4th, 2025 11:58 AM Author: mustard center boltzmann (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483205) |
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Date: December 4th, 2025 3:47 PM Author: Orchid Nibblets (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483977) |
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Date: December 4th, 2025 12:02 PM Author: flesh angry volcanic crater Klarna’s a bitch (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2\u0026mark_id=5310906",#49483222) |
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Date: December 4th, 2025 2:14 PM Author: racy base pocket flask 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=5310906",#49483643) |