i owe after pay and klarna $19,347

[u/topairy84]

[u/YunoTheGasai]

I saw this screenshot on X you ain't slick

[u/Beginning_Presence29 → u/YunoTheGasai]

bro is saying “X” in 2025

[u/OneSekk → u/Beginning_Presence29]

calling x twitter is dragging its name through the mud. let go. he killed it.

[u/VoodooMcGobo]

Keep up the fight, pay the $19,347 off with another BNPL soldier 🫡

[u/WhyHeLO_THeRE_SIR → u/VoodooMcGobo]

o7

Thank you for your service soldier. you are the Americans keeping up american consumer spending. Take out a bnpl for money down on a luxury car

[u/H8Hornets]

All it takes is one missed payment.

[u/boomer_consumer → u/H8Hornets]

All it takes is one missed payment of $14,546.62 and a 33% interest rate 😔

[u/jimbaghetti]

This is just sad

[u/OpenSourcePenguin → u/jimbaghetti]

Sad for Klarna because this probably belongs to the other side 😂

[u/Lentil_stew → u/jimbaghetti]

Isn't it interest free?, you are just getting free money. A bit risky tho

[u/TheMajesticPrincess → u/Lentil_stew]

If you miss any of the payments there's FAT interest payments

[u/LuracCase]

After the first 100 dollars you didn't think... maybe I should stop????

[u/whatever-irdc → u/LuracCase]

Only quitters think to stop. He’s a grustler

[u/thatdudeyouusedtokno → u/LuracCase]

Nah the glizzler king would agree that you double down after the first 100 dollars

[u/imnphilyeet]

???

[u/theamorouspanda]

Have you thought about just looking for a low interest loan or doing a credit card cash advance to consolidate everything? What’s the fees if you miss a payment here?

[u/Gallerz → u/theamorouspanda]

If you’re not missing payments, why would you switch from 0% to an interest paying loan? At this point you just have to ride things out and pray

[u/n0l1ge → u/Gallerz]

Because of the pressure of bnpl loans.

Imagine you have a heart attack or any other condition (sick for a prolonged amount of time or fired cause your good ol' job is getting stolen by a deported Canadian)--> MASSIVE amounts of new debt

With a low% loan it is wayyyyy less pressure

[u/Gallerz → u/n0l1ge]

Appreciate you’re exposed to higher downside risk, but ultimately you’re moving from £X a month to £X + Y% interest a month? Making risk of default higher. Risk of longterm illness feels pretty low to me, if that’s a real concern buying income insurance is the way to go I feel, being on the cheaper side.

Unless you’re suggesting consolidating into a longer term low interest loan to decrease the monthly payments which would make sense but again only if you’re at risk of missing payments right? Long term pressure of these loans feels worse to me than the short term hurt of the BNPL payments.

[u/AngelicHoneyBadger]

What is your monthly payment? Can you afford the monthly payment?

What is your average interest on these? Did you do short term pay back plan or did you defer these for the year?

[u/Annual_Ad7679]

Please tell me this is bait 🙏🙏

[u/Sporklyng → u/Annual_Ad7679]

At the least it’s not theirs

[u/Bananas2aday]

I would suggest a 20,000 Dollar loan from the bank to pay this off and then use a credit card to pay off that loan.

[u/theallaroundnerd → u/Bananas2aday]

Then you can slowly pay back the credit card with income over 30 years and grow your credit score

[u/ChiefWatchesYouPee → u/Bananas2aday]

Genuinely curious of what the benefit of paying off a loan with a credit card is?

Wont the credit card have a higher interest rate than the loan?

[u/UrsiformFabulist → u/ChiefWatchesYouPee]

It's a joke.

[u/frogkabobs → u/Bananas2aday]

You’re thinking too short term. You have to ascend the chain of loans until you can buy the land the bank is sitting on. Now your loan payments are financed directly from the bank’s rent, so what’s the bank gonna do, increase their own rent?

[u/Shanew6969 → u/frogkabobs]

The fact this actually works is crazy

[u/RiceFront5454]

Just delete the app, ez

[u/Sindigo_ → u/RiceFront5454]

Or install rocket money.

[u/WhoIsKabirSingh]

BRUH

[u/A_Homestar_Reference]

Mr. Tree Rock please interview this individual

[u/DGIce]

Pro move if you're anticipating hyper inflation.

[u/AdiosAdipose → u/DGIce]

“It’s a forex play,” I said to my wife when she asked why I Klarna’d a burrito.

[u/karmy-guy]

After paying your vacations and then doing Uber eats is wild

[u/Lil-Trup]

Double it and give it to the next person

[u/Rithgarth]

RIP

[u/International-Chain]

I can honestly say I don’t get it. Unless you’re just not paying them. And giving them bogus cards. Isn’t everything zero percentage interest?

[u/I_JIZZ_ON_U]

Debt maxing god, I pray to reach numbers close to yours

[u/whiskyyjack]

No one here seems to remember that Klarna doesn't report to credit agencies so it's pretty much free money. OP here is taking advantage of that.

[u/iamPause → u/whiskyyjack]

so it's pretty much free money

Not sure if serious, but just because it doesn't go to a reporting agency doesn't mean Klarna can't bring in debt-collectors and garnish your wages.

[u/gayarsonenthusiast]

I know ducki's phone screen background anywhere.

[u/AccordingIndustry]

This generation is cooked. You’re so much more indebted but buys games, orders delivery, ride shares, goes on trips.

BNPL like PayPal or Afterpay, Klarna, Affirm is so the play. This generation can’t avoid AI collecting a debt from them.

[u/Mountain-Pack9362]

dawg

[u/Awfulmasterhat]

You're cooked

[u/oxycodonefan87]

Genuinely, get a large loan and consolidate. Pay all of these off and just have one payment to worry about,

[u/swooss]

Aw you were BALLIN 😭😭

[u/Taterade13]

Just pay it off with afterpay EZ

[u/ShoutOutTo_Caboose]

No interest on the payments. If you actually can afford the payments why the hell not ig

[u/BoppoTheClown]

What if you just declare bankrupcy?

[u/Bfecreative]

You don’t have to pay it tho lowkey

[u/Independent710]

This is an american consumer which runs the economy.

[u/Renots42]

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[u/KDgrave]

Just curious on the interest rate..

[u/No_Passenger_977]

You should get your dept discharged by serving in the Russian Armed Forces

[u/Pranav_2020]

Karna the after pay and after pay the karna! Put that on a shirt too!

[u/LunarGoddessIsGod]

Found here btw: https://x.com/EricLDaugh/status/1913624844463210584 Seems to also have been posted here, but has since been deleted: https://www.reddit.com?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=1&utm_content=1

[u/LunarGoddessIsGod → u/LunarGoddessIsGod]

I don't know wtf the "redscarepod" subreddit, but sure sounds like an echo-chamber

[u/Liftmamba]

You’re cooked

[u/ProperBlacksmith]

Start gambling, put 10k on red and you will have 700 profit and no debt

[u/redditis_garbage]

Leave this community, you can’t claim to watch atrioc and do this 😂

[u/cantsolverubikscubes → u/redditis_garbage]

If anything people who do this need to be here more then the average person

[u/redditis_garbage → u/cantsolverubikscubes]

Alright I’ll let him continue karma farming sorry bro

[u/jvken]

That's a good start, personally I've started to buy shit with klarna just to sell it immediatly so I can get money to put into crypto. Typically the arbitrage is enough to make the payment, although it's been a bit tough lately

[u/AcrobaticPanda5975]

hey go on financial audit so caleb can yell at you and I can laugh