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irl goy here, what's the reason *not* to use Klarna?
| 180 state headpube | 12/04/25 |
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Poast new message in this thread
Date: December 4th, 2025 10:53 AM Author: 180 state headpube 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: Beta Chest-beating Crackhouse Mad-dog Skullcap 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: 180 state headpube 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: hyperactive liquid oxygen 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: Hideous swashbuckling lay background story (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: Flushed codepig 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: Mewling dragon 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: Flushed codepig 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: White diverse partner 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: Gaped Deep Organic Girlfriend 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: Amethyst gaming laptop messiness 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: mauve tattoo digit ratio 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: vengeful lavender rehab useless brakes (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: gay church building genital piercing (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: Sticky Field Preventive Strike (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: vibrant sable goyim round eye 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: Sticky Field Preventive Strike 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: Maroon brethren 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: rambunctious theatre (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: Pale property corn cake 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: Awkward school volcanic crater 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: stimulating tan office coldplay fan 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 state headpube 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: stimulating tan office coldplay fan 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: charcoal twinkling uncleanness 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: 180 state headpube 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: stimulating tan office coldplay fan 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: Chrome underhanded toilet seat factory reset button 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: Hideous swashbuckling lay background story (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: demanding deer antler den 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: Gaped Deep Organic Girlfriend (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: provocative ebony locus 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: costumed piazza haunted graveyard (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: Black Masturbator 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: 180 state headpube 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: Silver sex offender athletic conference (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: titillating elite chad pistol (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: Hideous swashbuckling lay background story 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: curious old irish cottage 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: just be racist If ur not debtmaxxing rn ur dumb af (http://www.autoadmit.com/thread.php?thread_id=5806132&forum_id=2/#49792117) |