just get what you want and pay the loan off later goy

>>507894739 (OP)
Sounds fair? It's interest free poorfag

>>507894739 (OP)
niggers and illegal beaners probably flooded this in the last few months

>>507894739 (OP)
Isn't this literally how most of the US population lives? Except you usually get high interest quick debt, e.g. your credit cards. It's only a new thing here in Europe where getting into debt has always been harder. Klarna just gives you something similar to American debt taking except it's low/no interest instead.

I use it quite a lot but I rarely rack up more than a few hundred dollars worth before paying it off. Still nice to defer all payment to the end of the month, and also to not have paid for a product until you're sure it's as advertised (you have very good return laws here but I still prefer having the upper hand of not having paid yet).

is this another method to manufacture an income for jeets/immigrants in Europe?

>>507894739 (OP)
Swedes are even worse than the Jews.

>>507894739 (OP)
>misspelt
Jeet scam.

>>507894739 (OP)
Is this actually a loan? As in, they move money from their account to you then you pay the merchant? Or is it like a credit card where the merchant gets money out of thin air and then the credit card company demands you pay them that money that didn't exist plus interest?

>>507894739 (OP)
>give loans to niggers and go bankrupt later

>>507894739 (OP)
This is a free shit giveaway if you don't give a shit about your goyscore.
>nigger
Ripping off usurious kikes is the whitest thing you can do.

>>507894739 (OP)
How about not taking loans you cannot pay off? My only issue with Klarna is that it's a slow service and that it doesn't work on that many places. Shopping online is a hassle here.

>>507895152
>interest free
How does that work? Like how does Klarna get their cut of the original purchase?

>>507895742
no, its another failing company with a shitty idea. they're millions in debt because they offered the service to niggers and niggers dont pay back debts.

>>507894739 (OP)
funny thing is, klarna is losing millions of dollars with niggers making 1 or 2 payments then never paying it off. it takes 90 days for late/missing payments to go into a collections account which they lose about 30% of the money owed.
>but not paying hurts their credit score
niggers dont give a fuck about credit.

>>507896154
>start in Sweden and Scandinavia
>booming
>open in the US
>niggers never pay their debts
>go bankrupt

>>507896372
I just use my Visa cause I ain't a swedish retard. Hopefully people don't pay debts to you. Sissies can't get money back. Only hardcore loan sharks can.

>>507894739 (OP)
It worked well in Europe.
They underestimated the unhinged debt culture of the US.

>>507895851
We had to, we were fighting the entire world, again, and had to finance stuff with 20kg copper coins. And a shedload of banking innovations came from it, like banknotes.

>>507896111
>the merchant gets money out of thin air and then the credit card company demands you pay them that money that didn't exist plus interest?

They pull the money out of thin air and usually make you pay 1/4 of it right there and then with 3-4 other payments separated out by a couple weeks, interest free. Last I heard they were a little under 5% of the loans are on late fees. They make more money being a payment processor for merchants because the merchants sell more if most people feel like they only payed 20% of the bill upfront.

>>507896678
They do strict background checks and delays first time payments for weeks even if you've got a good credit score and do everything right. Doubt someone could defraud them for that long.

>>507896498

Fees.

>>507895742
These retards give out loans for shit like pizza delivery. It's not only a dystopian fucking situation to begin with, but they're actually surprised people aren't paying off pizzas. I don't feel sorry for them or the investors they swindled.

>>507896498
From my understanding they make profit from companies paying fees to use their service and from customer choosing certain payment plans. They also do impose interest as a penalty for those paying too late but if you're a legit customer with money in your bank account this wouldn't impact you.

>>507895731
Yes. Financial retards will rack up debt and go to financial hell but that's not my problem. Retards deserve no mercy. I use it to defer payment until I received the product and verified it's good.

>>507894739 (OP)
can I buy a house with "klarna."?

>>507894739 (OP)
Die now!
Live later!

>>507894739 (OP)
Klarna is the perfect example and lesson to other companies that if something works great in Scandinavia it doesn't mean it will work in America, for some "odd" reason, which we all know.
They will go completely bankrupt within few years just because they didn't understand the simple fact that some groups have no intention to pay your money back.

https://youtu.be/Cxfj8zYkXJA?si=MloOi8Kgz0jC0CzQ

>>507895731
Just have money in reserve and not pay interest? Or do you just do regular AfterPay.
I worked at a refinance company, I saw people taking loans for McDonald's delivery. Mostly brown people

>>507894739 (OP)
Hey this app and apps like this won't Exist by the end of this fall, because no one is finishing paying off the shit they bought :)

>>507896498
Presumably. The retailer gets their item sold. Then it snares people who whine about muh usury but are dumb enough to loan for consumption.

>>507896695
I wonder if the investors in Klarna have given this whole "we are all one race, the hooman race"-bullshit a second thought, now that they are losing the shirt off their back.

>>507897293
If you were a legit customer with money you wouldn't need a 3 month loan. This is designed to make low IQ people overspend and then fail to make the payments.

>>507896695
Depends how American kronofogden is

>>507896498
Payment plans, companies, and private users missing the payment dates (I don't remember the actual amount, but I think it was some relatively huge amount such as 10% of price per week or someshit)

>>507894739 (OP)
I can't believe people are using this service to finance pizza orders.

>>507897028
In the US you can get credit instantly, even someone with multiple defaults can get another credit card. The system assumes they'll fuck you with 30+% interest, but they don't realize 90% of Americans under 60 have 0 use for a good credit report. In the past it was worth the risk because people had a chance to buy a home, now no one cares because that isn't realistic on most wages. American banks are a pyramid scam and half their customers are scamming them. Any attempt at regulation reduces the consequences of not paying unsecured debts.
It's hilarious.

>>507896498
Fees for processing the payment to the merchant, previously paying also had hidden fees for partial payments

>>507896678
>collections account
I have had debt collectors call me all my life and i have never paid them. I just assumed everyone does this
There is literally nothing they can do but cry

>>507894739 (OP)
I've used the PayPal Pay in 3 thing before, only a few times and never for amounts I couldn't have just paid upfront. I don't really know why though, I guess a slow trickle feels better

>>507897759
Yep they did in Sweden too.
Made it extra expensive.
Really have to be a smoothbrain

>>507894739 (OP)
>>507895152
This is the most obvious sales pitch scheme on earth, and this sounds retarded and like you're trying to take advantage of stupid people

>>507896947
Sounds like free money. If I didn't bank with swedbank I'd sign up and order as much goyslop as they're willing to fund then never pay them back. But I figure Swedbank would jew my money if I jew a Swedish company.

If kikes can create money out of nothing and have other people pay it off then so can I
Creditmaxxing is based, but only when I do it.

>>507897894
Kek in Europe they just come and take stuff or your bank account, you just get cash payments i recon

>>507897105
hehe, true. that's about the most jewish shit ever. even more exploitative than "donating" plasma for kraft cheese slices, spam and bread

>>507897356
I would steal boobs and put them in my pants.

>>507897894
The whole of jewish usury is literally built on false goyim morality about being honest and not stealing.

>>507897583
Not every merchant is trustworthy or will deliver the goods you asked for. Delaying payments through an intermediary until you've gotten the stuff is a way to minimize the risks of online shopping. It's like an extra layer of security where an influential company can deal with the merchant rather than the customer.

>>507898003
Dont try this in europ

>>507897583
That 3 month loan stuff is mostly made for more expensive products or company stuff that costs more, but i guess mutts are buying food with it?

>>507897583
Exactly, what's wrong with that?

>>507897894
Most phones automatically block debt collector numbers as spam. Even rich boomers rack up huge debts and don't pay them, they're "nigger rich" as my dad used to say. Keeping up with the Jones' types tend to default on credit cards constantly.

>>507894739 (OP)
last i heard these retards were hemorrhaging money, not even close to profitable. even with all their seed money from the banks.

>>507896678

Maybe they are insured ? Then it would be essentially insurance fraud lol

>>507894739 (OP)
Literally 0 downsides to use it retarded contrarian faggot

>>507898185
That riddle was kinda cool ngl.

>>507894739 (OP)
>got a thirty-year variable rate loan on this pizza collaterally backed by organs harvested from my medically-assisted transfiguration to particles

>>507894739 (OP)
>>507895731
Honestly there's nothing really wrong with BNPL unless you're a financial illiterate.
I really like just buying shit on a payment plan without the whole fucking humiliation ritual at the bank before they let me use my money the way I want.

>>507898228
>Dont try this in europ
I'm America nigger I'd just move to America and reabsorb myself into the brown Amerifat blob and you'd never get your money back.

>>507897462
I just chuck it on the monthly bill and pay it at the end of the month. It's just easier because it provides a unified payment interface so I can buy shit with 2 clicks in most places instead of needing to type in CC info.

It's not really a problem unless you're a dumb nigger who doesn't understand he's spending money unless he gets refused purchases due to depleted balance.

>>507896695
difference is that in scandi its basically risk free because the government does collections and has access to everything and rights written into law, hell even mandatory interest rate is in the law and its just as robbery tier as payday loan interests. in usa they don't have this so they are fucked

>>507898252
Either you have enough money saved to buy it and a 3 months loan makes no difference, or you are an irresponsible idiot who being tricked into spending more than you can afford.

>>507898764
Purchases gets declined for more reasons than just stupidity. Ever tried buying stuff from a site without klarna that's also incompatible with bankid? Paying on the internet as a swede is a nightmare compared to years ago.

I think I'm going to Klarnamaxx and buy a bunch of shit with ZERO intention of paying any of it off

>>507897583
that is true, but if you have the money anyway, why not always make interest free payments in case you die within that time frame, the sucker who pays full price and dies 2 months later could have saved 1/3 the price

>>507900554
I think Klarna's plans of conquering America were a bit too hasty.. They forgot that unlike Finns, Americans don't hate their people and force their people to pay their debts to foreign companies.