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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: abusive insecure public bath telephone 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: Brass mildly autistic sweet tailpipe mother 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#49482999) |
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Date: December 4th, 2025 11:00 AM Author: abusive insecure public bath telephone is this some uber 2017 zirp VC cash thing (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483005) |
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Date: December 4th, 2025 11:01 AM Author: ebony electric orchestra pit 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#49483007) |
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Date: December 4th, 2025 12:03 PM Author: vermilion swollen cruise ship trust fund (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483228) |
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Date: December 4th, 2025 11:00 AM Author: Brilliant Blood Rage 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: angry histrionic generalized bond plaza What if they repossess my bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483081) |
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Date: December 4th, 2025 11:33 AM Author: Brilliant Blood Rage ESPECIALLY your bluetooth speaker (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483109) |
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Date: December 4th, 2025 11:10 AM Author: big bistre resort A girl in my class is underwater on some McNuggets not flame (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483020) |
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Date: December 4th, 2025 11:34 AM Author: aphrodisiac fat ankles you should provide her a "bailout" (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483113) |
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Date: December 4th, 2025 3:54 PM Author: Crusty lake indirect expression My sous vide! (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483996) |
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Date: December 4th, 2025 11:30 AM Author: galvanic narrow-minded factory reset button roast beef 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#49483100) |
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Date: December 4th, 2025 11:44 AM Author: Puce provocative state (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483150) |
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Date: December 4th, 2025 11:52 AM Author: Cracking University (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483184) |
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Date: December 4th, 2025 12:04 PM Author: Opaque tanning salon (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483229) |
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Date: December 4th, 2025 12:23 PM Author: erotic police squad 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: Opaque tanning salon 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#49483292) |
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Date: December 4th, 2025 2:21 PM Author: orchid elite hairy legs 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: Boyish Cuckoldry Library (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483648) |
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Date: December 4th, 2025 2:19 PM Author: Charismatic amber temple headpube 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: Onyx Comical Milk 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#49483719) |
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Date: December 4th, 2025 11:36 AM Author: Cyan Regret 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: abusive insecure public bath telephone 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#49483120) |
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Date: December 4th, 2025 11:38 AM Author: Cyan Regret 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#49483125) |
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Date: December 4th, 2025 11:55 AM Author: heady nowag 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#49483194) |
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Date: December 4th, 2025 12:02 PM Author: abusive insecure public bath telephone dbg oddly silent (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483220) |
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Date: December 4th, 2025 12:04 PM Author: Cyan Regret rofl he's making my point (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483232) |
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Date: December 4th, 2025 11:38 AM Author: Walnut set 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#49483123) |
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Date: December 4th, 2025 12:02 PM Author: vermilion swollen cruise ship trust fund (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483221) |
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Date: December 4th, 2025 11:43 AM Author: Contagious home sandwich How long do you have to pay it off without interest? (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483140) |
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Date: December 4th, 2025 11:46 AM Author: aphrodisiac fat ankles (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483156) |
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Date: December 4th, 2025 11:47 AM Author: emerald thriller mediation 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#49483159) |
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Date: December 4th, 2025 11:48 AM Author: exhilarant fanboi (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483165) |
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Date: December 4th, 2025 11:51 AM Author: henna casino https://x.com/paul_hundred/status/1996621366184075337 (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483180) |
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Date: December 4th, 2025 11:56 AM Author: abusive insecure public bath telephone we're famous again bros (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483198) |
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Date: December 4th, 2025 11:58 AM Author: Fragrant Orange Lay (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483205) |
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Date: December 4th, 2025 3:47 PM Author: hyperventilating ruby stage (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483977) |
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Date: December 4th, 2025 12:02 PM Author: vermilion swollen cruise ship trust fund Klarna’s a bitch (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2#49483222) |
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Date: December 4th, 2025 2:14 PM Author: diverse ape 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#49483643) |