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6 Buy Now, Pay Later Apps in 2023
Advertiser disclosure You're our first priority. Every time. We believe everyone should be able make financial decisions with confidence. Although our site does not feature every business or financial product in the marketplace however, we're confident of the advice we provide as well as the advice we provide and the tools we develop are independent, objective simple, and free. So how do we earn money? Our partners pay us. This could influence which products we write about (and the way they appear on the website) however it doesn't affect our recommendations or advice that are based on many hours of research. Our partners are not able to promise us favorable ratings of their goods or services. .
6 Buy Now, Pay Later in 2023.
The popular buy now, pay later apps will split your purchases into equally-sized installments, typically with no charges for interest.
Last updated on Nov 3, 2022.
The majority or all of the items featured on this page are provided by our partners who pay us. This impacts the types of products we feature and where and how the product is featured on the page. But, it doesn't affect our opinions. Our opinions are our own. Here is a list of and .
" " It is kind of payment plan that has gained popularity over the past few years, particularly since increasing numbers of people shop online during the outbreak.
Also known as BNPL for abbreviated, they break down your payment into a series of smaller, equal installments typically with no interest or charges.
Plans are available online and in stores depending on the application. Some retailers will even offer several plans to select at checkout.
These are 6 BNPL apps you can use at major retailers, as well as alternatives worth considering.
The year's best personal loans
Browse our Best-Of Awards to compare top personal loans and choose the best one for your particular needs.
1. Afterpay: Best for the first time BNPL users
Unlike other BNPL providers that offer multiple payment choices, Afterpay has a no-nonsense pay-in-four program that is easy to comprehend for new users.
Additionally, it has tools that could help stop new users from overextending themselves. For example, Afterpay pauses your account following one late payment and won't take your account to collections should you don't pay back the loan and it could hurt your score on credit.
>> READ:
Where it's available: Afterpay partners with major retailers like Bed Bath & Beyond, Old Navy and Nordstrom.
How to be approved: Afterpay bases approval on whether there are sufficient funds on your debit or credit card, how long you've been using Afterpay, the purchase price and if you have other outstanding loans using Afterpay.
Payment schedule: Afterpay employs the pay-in-four method. The purchase is divided into four equal installments The first one due at the time of checkout, and the rest of the payments due two weeks apart.
Late fees and interest The company doesn't charge any interest. It will charge a late fee of up to $8 if a check isn't received within 10 days of the due date.
2. Affirm: Ideal for large purchases
Affirm operates as a more conventional loan product. It provides longer time frames and negotiates the interest rate with the retailer. If you're planning to finance a larger purchase, like a mattress or computer An Affirm loan may have cheaper payments spread 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 get accepted: Affirm will conduct a soft credit check that doesn't harm your credit. Affirm will also look at your previous payments with Affirm, the time you've had an Affirm account as well as any Affirm loans that you have in the process and your credit utilization your income and current debts as well as any bankruptcy filings.
Payment plan: Affirm offers three-, six- and 12-month repayment plans. Longer plans up to 60 months are possible dependent on the amount of purchase. Affirm also provides a zero-interest or pay-in-four plan.
Late fee and interest Rates for interest on Affirm loans can range from 0% to 30%. The company doesn't charge a late fee for missed payments.
3. Klarna is the best choice for earning rewards
Klarna has three payment plans that include the pay-in-four model, its pay in 30 model and a monthly finance option. When downloading their mobile application, users can join Klarna's free rewards program that grants access to exclusive deals. The program gives 1 point for every dollar spent, and points can be converted into rewards to be used at certain retailers.
>> READ:
Where it's offered: Klarna is available at stores like Macy's, Etsy, Foot Locker and Sephora. You can also create one-time use Klarna virtual card that can be utilized online in any U.S. retail store, even ones that aren't affiliated with Klarna.
How to be approved: Klarna will conduct a soft credit pull. Approval decisions are based upon the amount of money available in your bank account, your previous experience with Klarna as well as the purchase amount.
Payment schedule: Klarna's Pay in 4 divides the purchase into four equal installments, which are paid every two weeks, with the first due at the time of checkout. This option gives customers 30 days from the time that the item has shipped to pay for a purchase. Klarna also offers an option for financing on a monthly basis with terms that can last up of two years.
Late fees and interest Pay in 4 and Pay in 30 are both interest-free. Klarna will charge a late fee of up to $7 for missed payments on the Pay in 4. For monthly financing, Klarna will charge 0% up to 24.99% interest.
4. Zip: Great for wide availability
Zip, formerly known as Quadpay it is now available wherever Visa accepts Visa. After downloading the mobile application and paying with your credit or debit card or create a virtual Zip card which can be used at shops.
>> READ:
Where can it be found: Zip is available at several retailers such as Best Buy, Amazon and Walmart.
How do you get approval: Zip doesn't publicly share the manner in which it approves customers. It's likely to depend on the amount of funds available in your credit or debit card, your history with Zip as well as the price of the purchase. It will conduct a soft credit pull.
Schedule of payment: Zip uses the pay-in-four model. The purchase is split into four equal installments , to be paid each two weeks, with the first due at checkout.
Interest and late fee: Zip charges a $1 convenience fee per transaction which is in essence interest. That means that your entire purchase will cost an extra $4. The late fees could be $5, $7 or even $10 in accordance with your state.
5. PayPal Pay in 4: Best to have peace of mind
PayPal provides a BNPL payment plan to customers who have a PayPal existing account that is in good financial standing. Along with the name the company is known for, which can make new BNPL users at ease, the business offers PayPal Purchase Protection program to it's BNPL plan. This means that if you don't receive your purchase or it's different from the description, you may be eligible for reimbursement through PayPal.
>> READ:
Where it's available: PayPal's Pay in 4 program isn't available in stores for use. It is available either online or via PayPal's mobile app at retailers such as Dillard's, Target and Home Depot.
How to get approved: PayPal conducts a soft credit check. The approval is based on the application form, your account track record with PayPal and the information supplied by credit bureaus.
Payment schedule: PayPal Pay in 4 breaks down the purchase in four equally-sized installments that are due two weeks apart and the first installment due upon checkout. PayPal also offers an option to pay monthly with 6-, 12- or 24-month terms for purchases that are larger.
Late and interest fees: PayPal doesn't charge interest or late fees for its Pay in 4 plan. Monthly payment plan, which can be charged up to 29.99% APR.
6. Sezzle: Great for those who want to be socially conscious.
If you want your BNPL funds to go further, Sezzle might be a ideal option. Sezzle is a certified B Corporation, a designation that requires the lender to pass a rigorous assessment and show an unwavering commitment to environmental and social issues. This feature is unique among BNPL lenders.
>> READ:
Where it's offered: Shoppers are able to use Sezzle on the internet and in stores at a variety of retailers, including Target.
How to be approved: Sezzle may conduct a soft credit test, which will not affect the credit rating. Sezzle will also take into account any prior history with Sezzle in determining your spending limit.
Pay-in-four schedule: Sezzle offers a pay-in-four payment plan. The purchase will be split into equal payments that are due two weeks apart, with the first payment due upon checkout.
Late and interest fees: Sezzle doesn't charge interest or late fees. If you fail to make a payment, it will remove your account from Sezzle, and you'll not be able to make any purchases using Sezzle. In order to reinstate your account you'll need to pay a $10 fee.
APR
Terms
Fees
5.0 NerdWallet rating NerdWallet's ratings are set by our editorial team. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
0%-30%.
4 installments, due every two weeks; monthly payment plans are available between 3 and 60 months.
No cost.
5.0 NerdWallet rating NerdWallet's ratings are made by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' 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 determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit scores, rates and fees as well as the customer's experience and responsible 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 staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
0%.
4 installments, due every 2 weeks.
No fees.
5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit scores, rates and fees customers' 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 by the editorial staff. The scoring formula considers factors we consider to be beneficial to the consumer, such as impact on credit score rate and fees customers' experience, and ethical lending practices.
0%.
4 installments, due every 2 weeks.
$1 convenience fee per installment.
$5, $7, or 10 late fees.
Should you make use of a buy now or pay later app?
NerdWallet suggests paying for non-essential purchases with cash whenever possible. Though BNPL might seem like a convenient payment option however, it's still an example of debt.
Take a look at this list of pros and cons when deciding whether to apply for the pay-later program.
Pros
No interest financing: Most BNPL apps charge zero interest. If you make every payment in time, you are able to use the service for free. It's rare to be able to finance a purchase, especially larger-ticket items such as a computer, with zero cost.
Soft credit checks are only for unlike applying for a credit card, or loan, BNPL apps won't conduct a hard credit pull that could temporarily lower your score. Also, if you're worried about a low rating on your credit report, then you'll be more likely to be accepted by a BNPL application as opposed to a traditional lender.
Quick, easy and simple finance option: BNPL apps pride themselves on the ease and simplicity of their payment plans. Often integrated directly into checkout processes, applications are short and approvals are quick which means you can be enrolled for a BNPL payment plan within just a few minutes.
Cons
Could not be able to build credit: Most BNPL businesses don't report on-time payments to the three primary credit bureaus, so you might not be capable of building credit using these plans. Certain apps will however will send accounts that are past due for collection, and this may affect your credit score.
>> MORE:
Late fees: Though BNPL apps don't charge you a prepayment fee for repaying your loan early, a lot of them charge an extra fee for late payments. These fees could amount to a significant percentage of the total and make it more expensive to purchase.
Could encourage overspending: BNPL plans can make the impression that you're spending less than what you are. For example, if your budget for purchase is $100 and you choose a pay-in-four plan that will cost you only $25 upfront. For some they may find it tempting to fill up their cart with additional items.
Problems with customer service: Certain BNPL users may have trouble solving disputes. For instance, if, for example, you purchase an item that you need be returning, then you need to deal directly with the store even though your loan is through the BNPL lender. This could delay the reimbursement. Some lenders also offer online-only customer service, so you can't call for more information.
Alternatives to buying nowand later
Although buying now and paying later may be a convenient and convenient way to cover a purchase, it doesn't provide the same benefits like other financing options. You might want to think about these options.
0% interest credit card one-year 0% interest credit card or outstanding credit (a credit score of 690 or above), you could qualify for a card that has no interest for the card's introductory period -- usually 15 to 21 months. Credit card companies will submit payments to credit bureaus, which may aid in building your credit score. You may also receive the opportunity to sign up for a welcome bonus or gain access to some rewards programs.
>> MORE:
Small personal loan: If you want more time to pay back this may be the best option. The loans are available to all types of borrowers, and like credit cards you are able to show a history of on-time payments to the bureaus. You'll pay interest on a personal loan but, with longer terms, your monthly payments may fit more easily into your budget.
See if you pre-qualify for personal loan - without affecting your credit score
Just answer a few questions to receive personalized rate estimates from multiple lenders.
Loan amount
on NerdWallet
About the author: Jackie Veling covers personal loans for NerdWallet.
Similar to...
You can even go deeper into Personal Loans
Get more smart money moves delivered straight to your inbox
Join us and we'll send you Nerdy articles about the money topics that are important to you as well as other strategies to help you get more from your money.
If you have any inquiries relating to where and ways to utilize $255 Payday Loans Online Same Day, you can contact us at our web site.
Advertiser disclosure You're our first priority. Every time. We believe everyone should be able make financial decisions with confidence. Although our site does not feature every business or financial product in the marketplace however, we're confident of the advice we provide as well as the advice we provide and the tools we develop are independent, objective simple, and free. So how do we earn money? Our partners pay us. This could influence which products we write about (and the way they appear on the website) however it doesn't affect our recommendations or advice that are based on many hours of research. Our partners are not able to promise us favorable ratings of their goods or services. .
6 Buy Now, Pay Later in 2023.
The popular buy now, pay later apps will split your purchases into equally-sized installments, typically with no charges for interest.
Last updated on Nov 3, 2022.
The majority or all of the items featured on this page are provided by our partners who pay us. This impacts the types of products we feature and where and how the product is featured on the page. But, it doesn't affect our opinions. Our opinions are our own. Here is a list of and .
" " It is kind of payment plan that has gained popularity over the past few years, particularly since increasing numbers of people shop online during the outbreak.
Also known as BNPL for abbreviated, they break down your payment into a series of smaller, equal installments typically with no interest or charges.
Plans are available online and in stores depending on the application. Some retailers will even offer several plans to select at checkout.
These are 6 BNPL apps you can use at major retailers, as well as alternatives worth considering.
The year's best personal loans
Browse our Best-Of Awards to compare top personal loans and choose the best one for your particular needs.
1. Afterpay: Best for the first time BNPL users
Unlike other BNPL providers that offer multiple payment choices, Afterpay has a no-nonsense pay-in-four program that is easy to comprehend for new users.
Additionally, it has tools that could help stop new users from overextending themselves. For example, Afterpay pauses your account following one late payment and won't take your account to collections should you don't pay back the loan and it could hurt your score on credit.
>> READ:
Where it's available: Afterpay partners with major retailers like Bed Bath & Beyond, Old Navy and Nordstrom.
How to be approved: Afterpay bases approval on whether there are sufficient funds on your debit or credit card, how long you've been using Afterpay, the purchase price and if you have other outstanding loans using Afterpay.
Payment schedule: Afterpay employs the pay-in-four method. The purchase is divided into four equal installments The first one due at the time of checkout, and the rest of the payments due two weeks apart.
Late fees and interest The company doesn't charge any interest. It will charge a late fee of up to $8 if a check isn't received within 10 days of the due date.
2. Affirm: Ideal for large purchases
Affirm operates as a more conventional loan product. It provides longer time frames and negotiates the interest rate with the retailer. If you're planning to finance a larger purchase, like a mattress or computer An Affirm loan may have cheaper payments spread 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 get accepted: Affirm will conduct a soft credit check that doesn't harm your credit. Affirm will also look at your previous payments with Affirm, the time you've had an Affirm account as well as any Affirm loans that you have in the process and your credit utilization your income and current debts as well as any bankruptcy filings.
Payment plan: Affirm offers three-, six- and 12-month repayment plans. Longer plans up to 60 months are possible dependent on the amount of purchase. Affirm also provides a zero-interest or pay-in-four plan.
Late fee and interest Rates for interest on Affirm loans can range from 0% to 30%. The company doesn't charge a late fee for missed payments.
3. Klarna is the best choice for earning rewards
Klarna has three payment plans that include the pay-in-four model, its pay in 30 model and a monthly finance option. When downloading their mobile application, users can join Klarna's free rewards program that grants access to exclusive deals. The program gives 1 point for every dollar spent, and points can be converted into rewards to be used at certain retailers.
>> READ:
Where it's offered: Klarna is available at stores like Macy's, Etsy, Foot Locker and Sephora. You can also create one-time use Klarna virtual card that can be utilized online in any U.S. retail store, even ones that aren't affiliated with Klarna.
How to be approved: Klarna will conduct a soft credit pull. Approval decisions are based upon the amount of money available in your bank account, your previous experience with Klarna as well as the purchase amount.
Payment schedule: Klarna's Pay in 4 divides the purchase into four equal installments, which are paid every two weeks, with the first due at the time of checkout. This option gives customers 30 days from the time that the item has shipped to pay for a purchase. Klarna also offers an option for financing on a monthly basis with terms that can last up of two years.
Late fees and interest Pay in 4 and Pay in 30 are both interest-free. Klarna will charge a late fee of up to $7 for missed payments on the Pay in 4. For monthly financing, Klarna will charge 0% up to 24.99% interest.
4. Zip: Great for wide availability
Zip, formerly known as Quadpay it is now available wherever Visa accepts Visa. After downloading the mobile application and paying with your credit or debit card or create a virtual Zip card which can be used at shops.
>> READ:
Where can it be found: Zip is available at several retailers such as Best Buy, Amazon and Walmart.
How do you get approval: Zip doesn't publicly share the manner in which it approves customers. It's likely to depend on the amount of funds available in your credit or debit card, your history with Zip as well as the price of the purchase. It will conduct a soft credit pull.
Schedule of payment: Zip uses the pay-in-four model. The purchase is split into four equal installments , to be paid each two weeks, with the first due at checkout.
Interest and late fee: Zip charges a $1 convenience fee per transaction which is in essence interest. That means that your entire purchase will cost an extra $4. The late fees could be $5, $7 or even $10 in accordance with your state.
5. PayPal Pay in 4: Best to have peace of mind
PayPal provides a BNPL payment plan to customers who have a PayPal existing account that is in good financial standing. Along with the name the company is known for, which can make new BNPL users at ease, the business offers PayPal Purchase Protection program to it's BNPL plan. This means that if you don't receive your purchase or it's different from the description, you may be eligible for reimbursement through PayPal.
>> READ:
Where it's available: PayPal's Pay in 4 program isn't available in stores for use. It is available either online or via PayPal's mobile app at retailers such as Dillard's, Target and Home Depot.
How to get approved: PayPal conducts a soft credit check. The approval is based on the application form, your account track record with PayPal and the information supplied by credit bureaus.
Payment schedule: PayPal Pay in 4 breaks down the purchase in four equally-sized installments that are due two weeks apart and the first installment due upon checkout. PayPal also offers an option to pay monthly with 6-, 12- or 24-month terms for purchases that are larger.
Late and interest fees: PayPal doesn't charge interest or late fees for its Pay in 4 plan. Monthly payment plan, which can be charged up to 29.99% APR.
6. Sezzle: Great for those who want to be socially conscious.
If you want your BNPL funds to go further, Sezzle might be a ideal option. Sezzle is a certified B Corporation, a designation that requires the lender to pass a rigorous assessment and show an unwavering commitment to environmental and social issues. This feature is unique among BNPL lenders.
>> READ:
Where it's offered: Shoppers are able to use Sezzle on the internet and in stores at a variety of retailers, including Target.
How to be approved: Sezzle may conduct a soft credit test, which will not affect the credit rating. Sezzle will also take into account any prior history with Sezzle in determining your spending limit.
Pay-in-four schedule: Sezzle offers a pay-in-four payment plan. The purchase will be split into equal payments that are due two weeks apart, with the first payment due upon checkout.
Late and interest fees: Sezzle doesn't charge interest or late fees. If you fail to make a payment, it will remove your account from Sezzle, and you'll not be able to make any purchases using Sezzle. In order to reinstate your account you'll need to pay a $10 fee.
APR
Terms
Fees
5.0 NerdWallet rating NerdWallet's ratings are set by our editorial team. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
0%-30%.
4 installments, due every two weeks; monthly payment plans are available between 3 and 60 months.
No cost.
5.0 NerdWallet rating NerdWallet's ratings are made by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' 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 determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit scores, rates and fees as well as the customer's experience and responsible 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 staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
0%.
4 installments, due every 2 weeks.
No fees.
5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit scores, rates and fees customers' 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 by the editorial staff. The scoring formula considers factors we consider to be beneficial to the consumer, such as impact on credit score rate and fees customers' experience, and ethical lending practices.
0%.
4 installments, due every 2 weeks.
$1 convenience fee per installment.
$5, $7, or 10 late fees.
Should you make use of a buy now or pay later app?
NerdWallet suggests paying for non-essential purchases with cash whenever possible. Though BNPL might seem like a convenient payment option however, it's still an example of debt.
Take a look at this list of pros and cons when deciding whether to apply for the pay-later program.
Pros
No interest financing: Most BNPL apps charge zero interest. If you make every payment in time, you are able to use the service for free. It's rare to be able to finance a purchase, especially larger-ticket items such as a computer, with zero cost.
Soft credit checks are only for unlike applying for a credit card, or loan, BNPL apps won't conduct a hard credit pull that could temporarily lower your score. Also, if you're worried about a low rating on your credit report, then you'll be more likely to be accepted by a BNPL application as opposed to a traditional lender.
Quick, easy and simple finance option: BNPL apps pride themselves on the ease and simplicity of their payment plans. Often integrated directly into checkout processes, applications are short and approvals are quick which means you can be enrolled for a BNPL payment plan within just a few minutes.
Cons
Could not be able to build credit: Most BNPL businesses don't report on-time payments to the three primary credit bureaus, so you might not be capable of building credit using these plans. Certain apps will however will send accounts that are past due for collection, and this may affect your credit score.
>> MORE:
Late fees: Though BNPL apps don't charge you a prepayment fee for repaying your loan early, a lot of them charge an extra fee for late payments. These fees could amount to a significant percentage of the total and make it more expensive to purchase.
Could encourage overspending: BNPL plans can make the impression that you're spending less than what you are. For example, if your budget for purchase is $100 and you choose a pay-in-four plan that will cost you only $25 upfront. For some they may find it tempting to fill up their cart with additional items.
Problems with customer service: Certain BNPL users may have trouble solving disputes. For instance, if, for example, you purchase an item that you need be returning, then you need to deal directly with the store even though your loan is through the BNPL lender. This could delay the reimbursement. Some lenders also offer online-only customer service, so you can't call for more information.
Alternatives to buying nowand later
Although buying now and paying later may be a convenient and convenient way to cover a purchase, it doesn't provide the same benefits like other financing options. You might want to think about these options.
0% interest credit card one-year 0% interest credit card or outstanding credit (a credit score of 690 or above), you could qualify for a card that has no interest for the card's introductory period -- usually 15 to 21 months. Credit card companies will submit payments to credit bureaus, which may aid in building your credit score. You may also receive the opportunity to sign up for a welcome bonus or gain access to some rewards programs.
>> MORE:
Small personal loan: If you want more time to pay back this may be the best option. The loans are available to all types of borrowers, and like credit cards you are able to show a history of on-time payments to the bureaus. You'll pay interest on a personal loan but, with longer terms, your monthly payments may fit more easily into your budget.
See if you pre-qualify for personal loan - without affecting your credit score
Just answer a few questions to receive personalized rate estimates from multiple lenders.
Loan amount
on NerdWallet
About the author: Jackie Veling covers personal loans for NerdWallet.
Similar to...
You can even go deeper into Personal Loans
Get more smart money moves delivered straight to your inbox
Join us and we'll send you Nerdy articles about the money topics that are important to you as well as other strategies to help you get more from your money.
If you have any inquiries relating to where and ways to utilize $255 Payday Loans Online Same Day, you can contact us at our web site.
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