>Spread the cost! click here to pay in 3 interest free payments>We are sorry, your application to spread the cost has been rejected after our background and credit check.
>>18622739You disgust me and you should get your life in order. You shouldn't be in debt for clothing.
>>18622743If you're going to go into debt, at least do it right and just cash withdrawal a ton of credit cards and then claim to be a drug addict and declare bankruptcy. Your credit will recover in a few years if you lightly finance things
>>18622739Imagine going into debt for fucking clothes lmaooo
>>18622748>>18622745>what is interest free
>>18622762it's only interest free if you pay on time, and that means you already have the money on hand, why even bother unless it's a multi-year zero interest loan at least then your total balance shrinks after inflation
>>18622765it stings less to pay 50 per month for a jacket than paying 150 all at once
>>18622762If you are the kind of person that needs to finance your clothes there's an extremely high chance you are the kind of person that will be late on payments and have to pay interest These buy now/pay later companies exist exclusively to make money off retards
>>18622775Then you can't afford a $150 jacket. If you can't save up to buy one, then you aren't going to afford it on installment. You don't need a jacket right fucking now. Stop mistreating yourself. This is self abuse.
>>18622775If that is how you think and approach it then you cannot afford the jacket
>>18622775Honestly with the inflation rate you would be retarded to pay it all up front if the loan is interest free. Money is worth less tomorrow than it is today.
>>18622748It's not debt, it's credits. I buy all my food with Klarna
>>18622838Republic credits are no good here. I only accept bitcoin and google play gift cards
>>18622904He's actually right though. If there is no interest it is actually cheaper to pay via credit since they constantly inflate the currency and debase it. If you did that in a year where they printed a lot of money like 2021 you would be saving a huge percentage by buying before prices adjust to inflation and while your money is still actually worth something.
>>18622775I would be more worried about missing a payment later than simply paying upfront. This reads less as it "stinging less," and more as you being unable to imagine future events.
>>18622775>financing $150LMAO
>>18622942ZERO PERCENT INTEREST, nigger.Billionaires do the same with everything they buy.Just scale it down.
>>18622946>bbut billionaires!>but this time it equates to 3 dinnersAND you still got rejected whatever helps you sleep at night poorfag
>>18622775I didn't know people were this stupid. You almost made me buy Affirm stock but they're Jewish, I then looked at Klarna but their Swedish which is worse.
>>18622780>You don't need a jacket right fucking now.it's cold out
>>18622952You don't need a new jacket right fucking now. You probably own a jacket. It's probably good to go, and you can certainly afford a cheaper jacket.
>>18622954Costco has good warm winter jackets every year for $30-35
>>18622946Rich people take out loans to buy things because they are usually using those things make more money. For example, taking out a loan to buy a building so that you can use that building to run a business. You are not doing that, and that's okay; this strategy isn't for you. It's best for you to pay for your items at the time of purchase. Their strategies do not work for you. I wish you the best.
>financing $150 instead of something outlandishly expensive>a jacket which is probably shit considering the price>rejectedyou know how bad your credit score has to be to be rejected for $150
>>18623051They're also doing it because you pay no tax on loans. You always want to borrow against your assets instead of liquidating them to avoid taxes
>>18623051Rich people use their assets as collateral to get loans that they use to invest in more assets because debt is not taxed It's a loophole. The reason billionaires don't pay taxes is because they use their stocks as collateral for loans and don't have to pay any taxes on the debt. They don't get paid a salary, they get paid in stocksThis is not the same as you thinking if you use Klarna to finance a pair of sneakers you're some rich genius
>>18622775It also tricks you into believing you have more money than you actually do because when you see your bank balance you don't see all the upcoming payments for the bunch of petty shit you financed. Then all of a sudden you're in the red and owe a bunch of interests to a bunch of people and are getting rejected for fucking $150, which is their business model because they weren't giving out interest-free microloans out of the goodness of their hearts.>I'm too smart for that, it won't happen to meIf you had the financial literacy required to not fall into that hole you wouldn't be doing these tiny microloans either, it is a pitiful amount of money that you will not be able to leverage into anything no matter how savvy you think you are. Just pay upfront and save yourself the headache of having to track that shit.
