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irl goy here, what's the reason *not* to use Klarna?
| Rose slimy lettuce | 12/04/25 |
| talented saffron partner coldplay fan | 12/04/25 |
| Rose slimy lettuce | 12/04/25 |
| Aqua roast beef | 12/04/25 |
| 180 nofapping depressive | 12/04/25 |
| Titillating Salmon Heaven | 12/04/25 |
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| motley shaky private investor | 12/04/25 |
| multi-colored magenta people who are hurt | 12/04/25 |
| Henna prole | 12/04/25 |
| peach mind-boggling theater queen of the night | 12/04/25 |
| disgusting hideous property athletic conference | 12/04/25 |
| racy hunting ground | 12/04/25 |
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| Claret parlor | 12/04/25 |
| shimmering exciting lodge yarmulke | 12/04/25 |
| misunderstood juggernaut pozpig | 12/04/25 |
| Taylor Swift is not a hobby she is a lifestyle | 04/03/26 |
| chocolate range dragon | 12/04/25 |
| Rose slimy lettuce | 12/04/25 |
| chocolate range dragon | 12/04/25 |
| magical tantric tattoo | 12/04/25 |
| Rose slimy lettuce | 12/04/25 |
| chocolate range dragon | 12/04/25 |
| gaped fear-inspiring locus puppy | 12/04/25 |
| 180 nofapping depressive | 12/04/25 |
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| multi-colored magenta people who are hurt | 12/04/25 |
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| Rose slimy lettuce | 12/04/25 |
| Bespoke sandwich travel guidebook | 12/04/25 |
| Sinister Beta Bawdyhouse Blood Rage | 12/04/25 |
| 180 nofapping depressive | 12/04/25 |
| Electric Multi-billionaire | 12/04/25 |
| may his bones be crushed | 04/03/26 |
Poast new message in this thread
Date: December 4th, 2025 10:53 AM Author: Rose slimy lettuce 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: talented saffron partner coldplay fan 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: Rose slimy lettuce 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: Aqua roast beef 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: 180 nofapping depressive (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: Titillating Salmon Heaven 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: appetizing bbw 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: Titillating Salmon Heaven 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: motley shaky private investor 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: multi-colored magenta people who are hurt 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: Henna prole 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: peach mind-boggling theater queen of the night 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: disgusting hideous property athletic conference (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: racy hunting ground (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: Territorial green gay wizard (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: Sadistic glittery candlestick maker resort 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: Territorial green gay wizard 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: histrionic school cafeteria associate 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: Claret parlor (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: shimmering exciting lodge yarmulke 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: misunderstood juggernaut pozpig 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: April 3rd, 2026 7:48 PM Author: Taylor Swift is not a hobby she is a lifestyle (πΊπΈ π΅π±) (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2,#49792116) |
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Date: December 4th, 2025 11:36 AM Author: chocolate range dragon 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: Rose slimy lettuce 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: chocolate range dragon 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: magical tantric tattoo 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: Rose slimy lettuce 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: chocolate range dragon 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: gaped fear-inspiring locus puppy 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: 180 nofapping depressive (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: hairraiser violent ticket booth 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: multi-colored magenta people who are hurt (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: Boyish Toaster Theatre 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: anal nursing home turdskin (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: passionate volcanic crater famous landscape painting 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: Rose slimy lettuce 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: Bespoke sandwich travel guidebook (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: Sinister Beta Bawdyhouse Blood Rage (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: 180 nofapping depressive 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: Electric Multi-billionaire 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) |
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Date: April 3rd, 2026 7:48 PM Author: may his bones be crushed If ur not debtmaxxing rn ur dumb af (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2,#49792117) |