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re: Every brick and mortar should institute the ability to pay in 4
Posted on 4/2/25 at 8:46 pm to Frac the world
Posted on 4/2/25 at 8:46 pm to Frac the world
Doubt it. They are riding in comfort, you’ll never see that money. It’s a shame, but true…
0
Posted on 4/2/25 at 8:46 pm to Frac the world
You trying to get parts and labor on layaway? 
Posted on 4/2/25 at 8:56 pm to Frac the world
Relax bro you knew that was coming.
Most here aren’t either, but most here would act otherwise.
Curious (to whoever): what would be the interest charged (idc use 10%) on putting on a credit card and paying off in 2-4 months?
Please show your work.
quote:
God forbid I ain’t rich enough to drop 4k out of checking and would prefer to spread the hurt out.
Most here aren’t either, but most here would act otherwise.
Curious (to whoever): what would be the interest charged (idc use 10%) on putting on a credit card and paying off in 2-4 months?
Please show your work.
Posted on 4/2/25 at 9:20 pm to Frac the world
Pretty much every place with big ticket items offers some type of interest free financing.
I guess that would be a “pay in 12, or 24, etc.
I’ve never heard the term “pay in 4…”
And who keeps $2500 cushion in checking. That should be in a high yield savings… checking is many for bills and day to day… theoretically should be close to 0 when payday comes if you are being the most financially efficient.
I guess that would be a “pay in 12, or 24, etc.
I’ve never heard the term “pay in 4…”
And who keeps $2500 cushion in checking. That should be in a high yield savings… checking is many for bills and day to day… theoretically should be close to 0 when payday comes if you are being the most financially efficient.
Posted on 4/2/25 at 9:23 pm to zippyputt
Very true… worked at finance companies 17 years…. Dead beats every where… regardless of income.
I’ve seen little old ladies with $1200 SS checks with a 90% budget pay like clockwork. And big time $200k earners consistently 30/60 days late
I’ve seen little old ladies with $1200 SS checks with a 90% budget pay like clockwork. And big time $200k earners consistently 30/60 days late
Posted on 4/2/25 at 9:42 pm to Frac the world
quote:And they charge the merchant double what a regular credit card swipe fee would be for the business to offer that. Finance companies don’t finance shite for free. Someone pays it, whether its the consumer or the business.
Pay in 4 is a service that PayPal, Affirm, many others allow that lets you pay in 4 installments, spread every two weeks, interest free, until it’s paid off.
If you really needed 8 weeks to pay it off, pick your credit card that had its statement closing date pass most recently. If the statement closed a few days ago, you have almost another month before the next closing date. Then you’ll have another 3-3.5 weeks til the payment due date after that. That puts you around 7 weeks to pay it off with just a regular credit card without incurring interest, assuming you pay the closing balance off by each statement due date
This post was edited on 4/2/25 at 9:43 pm
Posted on 4/2/25 at 9:44 pm to Frac the world
So you want the car repair company to buy your parts, install them and then float you a loan for 3 more months? Never owned a business, have you?
No need to answer. It’s obvious you haven’t.
No need to answer. It’s obvious you haven’t.
Posted on 4/2/25 at 9:48 pm to Frac the world
shite happens. I'm the last 10 months I've spent nearly $22 grand on unexpected home repairs and raises in costs for both home and auto insurance that I hadn't anticipated.
shite happens
shite happens
Posted on 4/2/25 at 11:27 pm to Frac the world
quote:
Would this help brick and mortars in your opinion or are they fricked regardless?
Online companies do this too so no.
Posted on 4/2/25 at 11:38 pm to Frac the world
I’ve never heard of this pay in 4 business
Posted on 4/3/25 at 4:53 am to JohnnyKilroy
We really have become accustomed to the idea that we cannot “do without”. No matter what your emergency is, somebody is living life without it because they can’t afford it. If you need to finance it to afford it, you are close to that point as well.
This has to be the dumbest idea that I have ever seen where the OP actually comes back and tries to explain why his dumb idea isn’t dumb.
This has to be the dumbest idea that I have ever seen where the OP actually comes back and tries to explain why his dumb idea isn’t dumb.
Posted on 4/3/25 at 5:49 am to Frac the world
Let’s role play.
I’ll be the guy who doesn’t have any savings, and you’ll be the small business owner.
On what planet does that make any sense?
I’ll be the guy who doesn’t have any savings, and you’ll be the small business owner.
quote:
Say my car craps out on a/c and needs a new compressor, $1000
quote:Get fricked business owner. Thanks for the 66% discount. See you later.
if that auto place allowed pay in 4 I would only throw down $375 up front no interest with the rest due over 3 payments.
On what planet does that make any sense?
Posted on 4/3/25 at 5:51 am to Frac the world
So, OP is advocating to Make Layaway Great Again?
Posted on 4/3/25 at 6:01 am to Frac the world
quote:
My savings is untouchable, I never touch it, sorry New Iberia boys, transferring from savings to pay for a TV is bad practice.
But transferring from my emergency fund to pay for an unexpected auto repair is literally why I have it. I just put the money back in the account over the next few months…
Posted on 4/3/25 at 6:18 am to Frac the world
I understand, OP. There's a lot of dumb asses on here that don't shop online regularly. I always see the Paypal pay in 4 option where you pay 25% of the bill every 2 weeks at 0% interest. It is nice for large purchases where you feel like it's not taking a huge chunk of your checking account all at once.
This post was edited on 4/3/25 at 6:19 am
Posted on 4/3/25 at 6:32 am to Frac the world
Here comes the rich, bad arse….
No one wants to hear that bs.
Savings is “untouchable”.. then why thebhell is it in a savings account. That should be in retirement.
The whole reason for a savings is for it to be “touchable”, liquid asset , that is easily accessible for EMERGENCYS… like, maybe, your car a/c going out.
I’ll say it again-
Having thousands of dollars unused in your checking account is a shitty financial decision.
Sounds like you are part of that stupid bunch you refer too.
No one wants to hear that bs.
Savings is “untouchable”.. then why thebhell is it in a savings account. That should be in retirement.
The whole reason for a savings is for it to be “touchable”, liquid asset , that is easily accessible for EMERGENCYS… like, maybe, your car a/c going out.
I’ll say it again-
Having thousands of dollars unused in your checking account is a shitty financial decision.
Sounds like you are part of that stupid bunch you refer too.
Posted on 4/3/25 at 6:34 am to Frac the world
When small businesses offer someone a payment plan in times of hardship. 99% of the time they only receive the first payment. People are pieces of shite.
Posted on 4/3/25 at 6:52 am to Frac the world
You need to back up and punt ten bubba.
Posted on 4/3/25 at 7:08 am to Frac the world
quote:
I’m not poor
Posted on 4/3/25 at 7:22 am to Abraham H Parnassis
Agree.
Why would I finance some numbnuts who can't afford a $1000? He can go to a Payday loan place; that's why they exsist.
Businesses are in business to make a profit, not to be a public service.
I've followed Herb Kelleher's motto and it has served me well.
Why would I finance some numbnuts who can't afford a $1000? He can go to a Payday loan place; that's why they exsist.
Businesses are in business to make a profit, not to be a public service.
I've followed Herb Kelleher's motto and it has served me well.
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