Wait, I can finance a burrito?
this post was submitted on 30 May 2026
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There's a bunch of bs predatory services that will let you finance literally every purchase. There's a picture of someone "finally" paying off their $1.50 Costco hotdog after like 4 payments.
Okay, well the interest goes to the poor, entreprenourial small business owner who made your burrito, right?
Right?
Those are usually interest free services. The company selling you the product pays the fee. Which means the fee is baked into every product.
But also it's a way to increase sales, otherwise they wouldn't offer it. Not sure why the fuck they're offering it on fast food in the US though, it's meant for stuff that cost a bit more than you could afford right away in one payment but won't make you destitute to pay in 3. E.g when I bought a bicycle, I bought a slightly nicer one than I had spare cash for, but paid the exact price over 3 months, not a cent extra. Not with Klarna, but similar service in my country.
Those are usually interest free services.
Until you forget a single payment... then you'll get retroactive interest (back to the day of your purchase) at a very high percent, as well as other fees.
Ah, maybe in the US. This wouldn't fly here.
Oh, there IS interest
Ah yeah I didn't realize that in the US interest could be charged after the fact like that.
Where I live, the interest for these deals is 0%. Some have a small service fee. But they really make their money from the merchant and generally whoever provides the 3 month payment option also provides the regular installment plan options for the same merchant and those have pretty high interest.
Basically those deals are there not to make money on their own, but to get you to buy more things (that make the seller money)
I didn't mean an interest as in gain, but rather they have an interest to fuck you over
I would like to finance 1 burrito, please.
If they have no minimum then you can totally make it cost them money
I'm sure you could, but with financial literacy where it is, I doubt even automating it at a mid sized scale would be enough for them to cut back on lending.
Klarna don't care what you're buying
One of the few good decisions in my life was rejecting a job offer from Klarna. It didn't even pay amazingly well enough to do that shit. And as a bonus I heard they laid off that team about a year later.
it didnt even pay enough to do that shit
Klarna lets people make installments on the fucking $1.50 Costco hotdog combo. They don't care how much you actually make. They'll give you a hotdog loan and break your legs later when you can't pay. They're not in it for the money; they're in it for the maiming.
Ads in the 90’s: look at our well thought out funny idea for selling you our products, we hope you enjoyed it.
Ads today: look we paid an out of touch celebrity a godly amount of money to sell our Chinese made products, please laugh, please give us all your personal information.
unfortunately if I saw this today I'd say the penguin with a tux was AI
I'm here for the burritos and vodka. A succulent meal.
GET YOUR HAND OFF MY PENIS
God, it was hype shit looking at magazines and ads and stuff back then. Wow, the argos catalog shows that you can buy XYZ!
I was unable to participate because I was a kid and not able to buy shit because I had no money.
Now interesting products and shit come out, and its "oh no, I have to save money for a mortgage" , "Oh no, my job market has hit another employment crisis". 3d printers and VR seem really fun. I have nowhere to put a fucking 3d printer, nor a room I can afford to keep empty for VR.
Advertising peaked in '98 with this piece of art. The data people are in charge of the industry now, all creativity and fun is long gone.