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6 Buy Now Pay Later Apps, and Buy Now Apps in 2023
Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able to make sound financial decisions without hesitation. Although our site does not feature every business or financial product that is available on the market however, we're confident that the advice we provide, the information we provide and the tools we create are independent, objective simple, and cost-free. So how do we make money? Our partners pay us. This can influence the products we write about (and the way they appear on the website), but it doesn't affect our advice or suggestions, which are grounded in many hours of study. Our partners do not promise us favorable review of their services or products. .
6 Pay Now, Buy Later Apps to 2023
These popular purchase now and pay later apps will split your purchases into equally-sized installments, usually without interest.
The last update was on November 3, 2022.
Many or all of the products featured here are provided by our partners, who pay us. This influences which products we feature and where and how the product is featured on a page. However, this does not influence our evaluations. Our opinions are entirely our own. Here is a list of and .
" " is a type of payment plan that's gained popularity over the last few years, especially as increasing numbers of people shop online during the outbreak.
Also known as BNPL for shorter, the plans divide your payment into a series of equal, smaller installments, usually with no interest or charges.
Plans are available on the internet and in stores, depending on the app. Some retailers will even offer different plans that you can choose at checkout.
Here are six BNPL apps that you can purchase at major retailers, as well as alternatives worth considering.
The best personal loans
Browse our Best-Of Awards to compare top personal loans and select the best one for your needs.
1. Afterpay: Great for the first time BNPL users
In contrast to other BNPL providers, Afterpay offers a variety of repayment choices, Afterpay has a no-nonsense, pay-in-four plan that's easy to grasp for those who are new to the service.
It also has key features that will help to prevent novice users from overextending their accounts. For example, Afterpay pauses your account when you miss a payment and it won't send you to collections if you don't pay back the loan which could harm your score on credit.
>> READ:
The locations where it's offered: Afterpay partners with major retailers such as Bed Bath & Beyond, Old Navy and Nordstrom.
How to get approved: Afterpay bases approval on the amount of funds available on your debit or credit card, the length of time you've been using Afterpay, the purchase price and if you have other outstanding loans that are backed by Afterpay.
Payment schedule: Afterpay employs the pay-in-four model. Your purchase will be divided into four equal payments and the first payment due at the time of checkout, and the rest of the payments due two weeks in advance.
Late fee and interest The company doesn't charge any interest. It will charge a late fee up to $8 if a payment is not received within 10 calendar days of when the date is due.
2. Affirm: Ideal for big purchases
Affirm is a more typical loan product. It provides longer periods of time and negotiates the rate with the retailer. If you're planning to finance an expensive purchase, such as computers or mattresses An Affirm loan might be more affordable payments spread out over a longer period.
>> READ:
The locations where it is available: Affirm partners with thousands of retailers across the U.S., including Amazon, Walmart, Nike and Best Buy.
How to be accepted: Affirm will conduct an uninvolved credit test, which doesn't hurt your credit. It will also consider prior transactions with Affirm, the time you've had an account with Affirm as well as any Affirm loans you might have outstanding as well as your credit utilization, your current income and debts, and any bankruptcies.
Payment schedule: Affirm offers three-, six- and 12-month repayment plans. Longer plans up to 60 months could be available depending on the amount of purchase. Affirm also provides a zero-interest option, pay-in-four.
Late fee and interest: Interest rates on Affirm loans can range from 0% to 30%. There is no late fee for missed payments.
3. Klarna is the best option to earn rewards
Klarna provides three payment options which include the pay-in-4 model, its pay in 30 model and a monthly finance option. When downloading their mobile application, users can join Klarna's free rewards program with access to special deals. The program awards 1 point per dollar and points can be converted into rewards to be used at certain shops.
>> READ:
The places where it's available: Klarna is available at retailers such as Macy's, Etsy, Foot Locker and Sephora. You can also create an individual-use Klarna virtual card that can be used online in any U.S. merchant, even those that don't partner with Klarna.
How to be approved: Klarna will conduct a soft credit pull. The approval decision is based on available funds in your bank account, your history with Klarna as well as the purchase amount.
Payment schedule: Klarna's Pay in 4 splits a purchase into equal installments to be paid every two weeks. The first installment will be due at the time of purchase. In addition, the Pay in 30 option gives buyers 30 days after the item has shipped to make payment for purchases. Klarna also has an option for financing on a monthly basis with terms up of two years.
Late and interest charges: Pay in 4 and Pay in 30 are interest-free. Klarna will be charged a late fee up to $7 for missed payments on this Pay-in-4. Monthly financing, Klarna will charge 0 percent to 24.99% interest.
4. Zip: Best for wide availability
Zip, formerly called Quadpay, is available anywhere Visa accepts Visa. Once you have downloaded the mobile app and paying with your debit or credit card, or create a virtual Zip card that you can use in stores.
>> READ:
Where it's offered: Zip is available at many retailers, including Best Buy, Amazon and Walmart.
How to get approved: Zip doesn't publicly share how it approves customers. It's likely to be contingent on whether there are sufficient funds on your debit or credit card, your history with Zip and the amount you paid for the purchase. It will conduct a soft credit pull.
Schedule of payment: Zip uses the pay-in-four model. A purchase will be split into equal installments that will be paid each two weeks, with the first due at the point of purchase.
Interest and late fee: Zip charges a $1 convenience fee per payment which is in essence interest. This means your total purchase will cost you an additional $4. The late fees could be $5, $7 or even $10, depending on your state.
5. PayPal Pay in 4: The best to have peace of mind
PayPal provides the BNPL payment plan to customers who have an active PayPal account and are in good standing. Along with the name popularity that could make new BNPL customers at ease, the company provides PayPal Purchase Protection plan to the BNPL plan. That means if you don't receive your item or it's different from the description, you might qualify for reimbursement from PayPal.
>> READ:
The location where it's available: PayPal's Pay in 4 plan isn't available for in-store use. It can be used either online or via PayPal's mobile app in stores like Dillard's, Target and Home Depot.
How to get your application approved: PayPal conducts a soft credit check. The approval is based on your application, your account experience with PayPal as well as the information provided by the credit bureaus.
Payment schedule: PayPal Pay in 4 divides each purchase into equal payments that are due two weeks apart and the first installment due at checkout. PayPal also offers an option to pay monthly with 6-, 12- or 24 months terms for larger purchases.
Late and interest fees: PayPal doesn't charge interest or late fees for its Pay in 4 plan. Its monthly payment plan may cost up to 29.99 percent APR.
6. Sezzle is a great choice for socially conscious shoppers
If you want your BNPL dollars to be used more effectively, Sezzle might be a suitable option for you. Sezzle is certified as a B Corporation, a designation that requires that the lender pass a rigorous assessment and show that they are committed to social and environmental issues. This feature is unique among BNPL lenders.
>> READ:
The places where it is offered: Shoppers are able to use Sezzle both online and in store at hundreds of retailers including Target.
How to get approval: Sezzle may conduct a soft credit check, which will not affect the credit rating. It will also consider your previous history of your relationship with Sezzle when determining your spending limit.
Schedule of payment: Sezzle offers a pay-in-four payment plan. Your purchase will be split into four equal installments due two weeks apart and the first installment due at checkout.
Interest and late fee: Sezzle doesn't charge interest or late fees. However, if you don't make a payment, it will remove your account from Sezzle, and you'll be unable to purchase any more items using Sezzle. In order to reinstate your account you'll have to pay a $10 fee.
APR
Terms
Fees
5.0 NerdWallet rating NerdWallet's ratings are set through our team of editors. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
0%-30%.
Four installments due every 2 weeks; monthly payment plans range from 3-60 months.
There are no fees.
5.0 NerdWallet rating NerdWallet's ratings are made by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
0%.
4 installments, due every 2 weeks.
A late fee of $8.
5.0 NerdWallet rating NerdWallet's ratings are set by the editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including the impact on credit score rate and fees customers' experience, and ethical lending practices.
0%.
4 installments, due every 2 weeks.
A late fee of $7.
4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
0%.
4 installments, due every 2 weeks.
There are no charges.
5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
0%.
4 installments, due every 2 weeks.
There is no late fee.
$5 rescheduling fee.
$10 account reactivation fee.
4.0 NerdWallet rating NerdWallet's ratings are determined through our team of editors. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
0%.
4 installments, due every 2 weeks.
$1 convenience fee per installment.
$5, $7 or the late charge of $10.
Do you need to use a pay now or pay later app?
NerdWallet suggests paying for unnecessary purchases with cash whenever possible. Although BNPL may seem like an easy payment option but it's still a type of debt.
Take a look at these pros and cons before choosing whether to sign up for the pay-later program.
Pros
No interest financing: Most BNPL apps charge zero interest. This means that if you pay all payments in time, you are able to use the service for free. It's rare to be able for a loan to purchase a product, especially larger-ticket items like a laptop computer, with no cost.
Soft credit checks are only for: Unlike applying for credit card or loan, BNPL apps won't conduct a hard credit pull which could cause a temporary decrease in your score. Also, if you're worried about having a poor scores on credit, you'll likely be more likely to be approved through a BNPL app rather than a traditional loan.
Quick, easy and simple finance option: BNPL apps pride themselves on the simplicity and ease with their payments plans. They are often integrated into checkout processes The applications are quick and approval decisions are instantaneous and you can sign up to join the BNPL payment plan in a matter of minutes.
Cons
May not be able to build credit: The majority of BNPL firms don't report timely payment to three primary credit bureaus, so you might not be able to build credit by making use of these plans. Certain apps will however transfer accounts with past-due balances for collection, and this can harm the credit rating.
>> MORE:
Late fees: Though BNPL apps won't charge a prepayment fee for repaying the loan early, many will charge a late fee for missed payments. These fees could amount to substantial percentages of the total and raise the cost of your purchase.
This could encourage spending more: BNPL plans can make it feel like you're spending less than what you actually. As an example, if the budget for an item is $100, and you opt into the pay-in-four program, you'll only pay $25 up front. For some buyers they may find it tempting to add additional items.
Customer service issues: Certain BNPL users may have trouble settling disputes. For instance, if you buy an item you need to return, you need to speak directly to the retailer, even though your loan is made through the BNPL lender. This may delay your reimbursement. Some lenders offer customers who can only contact them online, which means you aren't able to contact them for more details.
Alternatives to purchase nowand later
Although buying now and paying later is a straightforward and easy way to pay for the cost of a purchase, it does not provide the same benefits like other financing options. You might want to think about these options.
A credit card with 0% interest one-year 0% interest credit card or excellent credit (a credit score of at least 690) You may be eligible for a credit card that has no interest for the card's introductory period -typically between 15 and 21 months. Credit card companies send payments to credit bureaus, which can aid in building your credit score. There is also the possibility of receiving a sign-up bonus or access to an rewards program.
>> MORE:
Small personal loan: If you want more time to pay back, a is a good option. Loans are available for people with a range of credit as well as credit cards, you can show a history of on-time payments to the bureaus. You'll pay interest on the personal loan however, having a long-term contract, your monthly payment may fit more comfortably into your budget.
Find out if you're pre-qualified for a personal loan without impacting your credit score
Simply answer a few questions to receive an estimate of your personal rate from a variety of lenders.
The loan amount
on NerdWallet
Author bio Jackie Veling covers personal loans for NerdWallet.
In a similar vein...
You can even go deeper into Personal Loans
Learn more about smart money strategies right to your inbox
Sign up now and we'll email you Nerdy posts on the topics in finance that matter most to you and other ways to help you earn more from your money.
Here's more information regarding payday loans online $255 (credits-qda.ru) visit our own web site.
Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able to make sound financial decisions without hesitation. Although our site does not feature every business or financial product that is available on the market however, we're confident that the advice we provide, the information we provide and the tools we create are independent, objective simple, and cost-free. So how do we make money? Our partners pay us. This can influence the products we write about (and the way they appear on the website), but it doesn't affect our advice or suggestions, which are grounded in many hours of study. Our partners do not promise us favorable review of their services or products. .
6 Pay Now, Buy Later Apps to 2023
These popular purchase now and pay later apps will split your purchases into equally-sized installments, usually without interest.
The last update was on November 3, 2022.
Many or all of the products featured here are provided by our partners, who pay us. This influences which products we feature and where and how the product is featured on a page. However, this does not influence our evaluations. Our opinions are entirely our own. Here is a list of and .
" " is a type of payment plan that's gained popularity over the last few years, especially as increasing numbers of people shop online during the outbreak.
Also known as BNPL for shorter, the plans divide your payment into a series of equal, smaller installments, usually with no interest or charges.
Plans are available on the internet and in stores, depending on the app. Some retailers will even offer different plans that you can choose at checkout.
Here are six BNPL apps that you can purchase at major retailers, as well as alternatives worth considering.
The best personal loans
Browse our Best-Of Awards to compare top personal loans and select the best one for your needs.
1. Afterpay: Great for the first time BNPL users
In contrast to other BNPL providers, Afterpay offers a variety of repayment choices, Afterpay has a no-nonsense, pay-in-four plan that's easy to grasp for those who are new to the service.
It also has key features that will help to prevent novice users from overextending their accounts. For example, Afterpay pauses your account when you miss a payment and it won't send you to collections if you don't pay back the loan which could harm your score on credit.
>> READ:
The locations where it's offered: Afterpay partners with major retailers such as Bed Bath & Beyond, Old Navy and Nordstrom.
How to get approved: Afterpay bases approval on the amount of funds available on your debit or credit card, the length of time you've been using Afterpay, the purchase price and if you have other outstanding loans that are backed by Afterpay.
Payment schedule: Afterpay employs the pay-in-four model. Your purchase will be divided into four equal payments and the first payment due at the time of checkout, and the rest of the payments due two weeks in advance.
Late fee and interest The company doesn't charge any interest. It will charge a late fee up to $8 if a payment is not received within 10 calendar days of when the date is due.
2. Affirm: Ideal for big purchases
Affirm is a more typical loan product. It provides longer periods of time and negotiates the rate with the retailer. If you're planning to finance an expensive purchase, such as computers or mattresses An Affirm loan might be more affordable payments spread out over a longer period.
>> READ:
The locations where it is available: Affirm partners with thousands of retailers across the U.S., including Amazon, Walmart, Nike and Best Buy.
How to be accepted: Affirm will conduct an uninvolved credit test, which doesn't hurt your credit. It will also consider prior transactions with Affirm, the time you've had an account with Affirm as well as any Affirm loans you might have outstanding as well as your credit utilization, your current income and debts, and any bankruptcies.
Payment schedule: Affirm offers three-, six- and 12-month repayment plans. Longer plans up to 60 months could be available depending on the amount of purchase. Affirm also provides a zero-interest option, pay-in-four.
Late fee and interest: Interest rates on Affirm loans can range from 0% to 30%. There is no late fee for missed payments.
3. Klarna is the best option to earn rewards
Klarna provides three payment options which include the pay-in-4 model, its pay in 30 model and a monthly finance option. When downloading their mobile application, users can join Klarna's free rewards program with access to special deals. The program awards 1 point per dollar and points can be converted into rewards to be used at certain shops.
>> READ:
The places where it's available: Klarna is available at retailers such as Macy's, Etsy, Foot Locker and Sephora. You can also create an individual-use Klarna virtual card that can be used online in any U.S. merchant, even those that don't partner with Klarna.
How to be approved: Klarna will conduct a soft credit pull. The approval decision is based on available funds in your bank account, your history with Klarna as well as the purchase amount.
Payment schedule: Klarna's Pay in 4 splits a purchase into equal installments to be paid every two weeks. The first installment will be due at the time of purchase. In addition, the Pay in 30 option gives buyers 30 days after the item has shipped to make payment for purchases. Klarna also has an option for financing on a monthly basis with terms up of two years.
Late and interest charges: Pay in 4 and Pay in 30 are interest-free. Klarna will be charged a late fee up to $7 for missed payments on this Pay-in-4. Monthly financing, Klarna will charge 0 percent to 24.99% interest.
4. Zip: Best for wide availability
Zip, formerly called Quadpay, is available anywhere Visa accepts Visa. Once you have downloaded the mobile app and paying with your debit or credit card, or create a virtual Zip card that you can use in stores.
>> READ:
Where it's offered: Zip is available at many retailers, including Best Buy, Amazon and Walmart.
How to get approved: Zip doesn't publicly share how it approves customers. It's likely to be contingent on whether there are sufficient funds on your debit or credit card, your history with Zip and the amount you paid for the purchase. It will conduct a soft credit pull.
Schedule of payment: Zip uses the pay-in-four model. A purchase will be split into equal installments that will be paid each two weeks, with the first due at the point of purchase.
Interest and late fee: Zip charges a $1 convenience fee per payment which is in essence interest. This means your total purchase will cost you an additional $4. The late fees could be $5, $7 or even $10, depending on your state.
5. PayPal Pay in 4: The best to have peace of mind
PayPal provides the BNPL payment plan to customers who have an active PayPal account and are in good standing. Along with the name popularity that could make new BNPL customers at ease, the company provides PayPal Purchase Protection plan to the BNPL plan. That means if you don't receive your item or it's different from the description, you might qualify for reimbursement from PayPal.
>> READ:
The location where it's available: PayPal's Pay in 4 plan isn't available for in-store use. It can be used either online or via PayPal's mobile app in stores like Dillard's, Target and Home Depot.
How to get your application approved: PayPal conducts a soft credit check. The approval is based on your application, your account experience with PayPal as well as the information provided by the credit bureaus.
Payment schedule: PayPal Pay in 4 divides each purchase into equal payments that are due two weeks apart and the first installment due at checkout. PayPal also offers an option to pay monthly with 6-, 12- or 24 months terms for larger purchases.
Late and interest fees: PayPal doesn't charge interest or late fees for its Pay in 4 plan. Its monthly payment plan may cost up to 29.99 percent APR.
6. Sezzle is a great choice for socially conscious shoppers
If you want your BNPL dollars to be used more effectively, Sezzle might be a suitable option for you. Sezzle is certified as a B Corporation, a designation that requires that the lender pass a rigorous assessment and show that they are committed to social and environmental issues. This feature is unique among BNPL lenders.
>> READ:
The places where it is offered: Shoppers are able to use Sezzle both online and in store at hundreds of retailers including Target.
How to get approval: Sezzle may conduct a soft credit check, which will not affect the credit rating. It will also consider your previous history of your relationship with Sezzle when determining your spending limit.
Schedule of payment: Sezzle offers a pay-in-four payment plan. Your purchase will be split into four equal installments due two weeks apart and the first installment due at checkout.
Interest and late fee: Sezzle doesn't charge interest or late fees. However, if you don't make a payment, it will remove your account from Sezzle, and you'll be unable to purchase any more items using Sezzle. In order to reinstate your account you'll have to pay a $10 fee.
APR
Terms
Fees
5.0 NerdWallet rating NerdWallet's ratings are set through our team of editors. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
0%-30%.
Four installments due every 2 weeks; monthly payment plans range from 3-60 months.
There are no fees.
5.0 NerdWallet rating NerdWallet's ratings are made by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
0%.
4 installments, due every 2 weeks.
A late fee of $8.
5.0 NerdWallet rating NerdWallet's ratings are set by the editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including the impact on credit score rate and fees customers' experience, and ethical lending practices.
0%.
4 installments, due every 2 weeks.
A late fee of $7.
4.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
0%.
4 installments, due every 2 weeks.
There are no charges.
5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
0%.
4 installments, due every 2 weeks.
There is no late fee.
$5 rescheduling fee.
$10 account reactivation fee.
4.0 NerdWallet rating NerdWallet's ratings are determined through our team of editors. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
0%.
4 installments, due every 2 weeks.
$1 convenience fee per installment.
$5, $7 or the late charge of $10.
Do you need to use a pay now or pay later app?
NerdWallet suggests paying for unnecessary purchases with cash whenever possible. Although BNPL may seem like an easy payment option but it's still a type of debt.
Take a look at these pros and cons before choosing whether to sign up for the pay-later program.
Pros
No interest financing: Most BNPL apps charge zero interest. This means that if you pay all payments in time, you are able to use the service for free. It's rare to be able for a loan to purchase a product, especially larger-ticket items like a laptop computer, with no cost.
Soft credit checks are only for: Unlike applying for credit card or loan, BNPL apps won't conduct a hard credit pull which could cause a temporary decrease in your score. Also, if you're worried about having a poor scores on credit, you'll likely be more likely to be approved through a BNPL app rather than a traditional loan.
Quick, easy and simple finance option: BNPL apps pride themselves on the simplicity and ease with their payments plans. They are often integrated into checkout processes The applications are quick and approval decisions are instantaneous and you can sign up to join the BNPL payment plan in a matter of minutes.
Cons
May not be able to build credit: The majority of BNPL firms don't report timely payment to three primary credit bureaus, so you might not be able to build credit by making use of these plans. Certain apps will however transfer accounts with past-due balances for collection, and this can harm the credit rating.
>> MORE:
Late fees: Though BNPL apps won't charge a prepayment fee for repaying the loan early, many will charge a late fee for missed payments. These fees could amount to substantial percentages of the total and raise the cost of your purchase.
This could encourage spending more: BNPL plans can make it feel like you're spending less than what you actually. As an example, if the budget for an item is $100, and you opt into the pay-in-four program, you'll only pay $25 up front. For some buyers they may find it tempting to add additional items.
Customer service issues: Certain BNPL users may have trouble settling disputes. For instance, if you buy an item you need to return, you need to speak directly to the retailer, even though your loan is made through the BNPL lender. This may delay your reimbursement. Some lenders offer customers who can only contact them online, which means you aren't able to contact them for more details.
Alternatives to purchase nowand later
Although buying now and paying later is a straightforward and easy way to pay for the cost of a purchase, it does not provide the same benefits like other financing options. You might want to think about these options.
A credit card with 0% interest one-year 0% interest credit card or excellent credit (a credit score of at least 690) You may be eligible for a credit card that has no interest for the card's introductory period -typically between 15 and 21 months. Credit card companies send payments to credit bureaus, which can aid in building your credit score. There is also the possibility of receiving a sign-up bonus or access to an rewards program.
>> MORE:
Small personal loan: If you want more time to pay back, a is a good option. Loans are available for people with a range of credit as well as credit cards, you can show a history of on-time payments to the bureaus. You'll pay interest on the personal loan however, having a long-term contract, your monthly payment may fit more comfortably into your budget.
Find out if you're pre-qualified for a personal loan without impacting your credit score
Simply answer a few questions to receive an estimate of your personal rate from a variety of lenders.
The loan amount
on NerdWallet
Author bio Jackie Veling covers personal loans for NerdWallet.
In a similar vein...
You can even go deeper into Personal Loans
Learn more about smart money strategies right to your inbox
Sign up now and we'll email you Nerdy posts on the topics in finance that matter most to you and other ways to help you earn more from your money.
Here's more information regarding payday loans online $255 (credits-qda.ru) visit our own web site.
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