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6 Buy Now Pay Later Apps, and Buy Now Apps in 2023
Advertiser disclosure You're our first priority. Each time. We believe that everyone should be able to make sound financial decisions without hesitation. While our website does not include every company or financial product on the market, we're proud that the guidance we offer and the information we offer and the tools we create are objective, independent simple, and cost-free. So how do we earn money? Our partners compensate us. This could influence which products we write about (and where those products appear on our website) however it does not affect our recommendations or advice which are based on hundreds of hours of research. Our partners are not able to pay us to guarantee favorable reviews of their products or services. .
6 Buy Now, Pay Later Apps to 2023
These well-known buy now, pay later applications will split your purchases into equally-sized installments, usually without charges for interest.
Last updated on Nov 3, 2022
Many or all of the products we feature come from our partners who pay us. This affects the products we feature as well as the place and way the product appears on the page. However, this doesn't influence our evaluations. Our views are our own. Here's a list of and .
" " is a kind of payment plan that has become more popular over the last few years, particularly as increasing numbers of people shop online during the outbreak.
Known as BNPL or BNPL for shorter, the plans split your payment into a number of equal, smaller installments, usually with no interest and minimal costs.
Plans are available both online and in store, depending on the app. Some retailers will even offer multiple plans to choose at checkout.
Here are six BNPL apps that you can purchase at major retailers, as well as alternatives to consider.
The year's best personal loans
Browse our Best-Of Awards to evaluate the top personal loans and decide on the right one for your particular needs.
1. Afterpay: Best for the first time BNPL users
In contrast to other BNPL providers, Afterpay offers a variety of payment options, Afterpay has a no-nonsense pay-in-four program that is easy to understand for first-time users.
It also comes with key features that can help prevent the new user from taking on too much. For example, Afterpay pauses your account after one missed payment, and it doesn't transfer you to collections in the event that you fail to pay the loan and it could hurt the credit rating.
>> READ:
Where it's available: Afterpay partners with major retailers such as 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 used Afterpay as well as the purchase cost and whether you have other outstanding loans with Afterpay.
Payment schedule: Afterpay employs the pay-in-four method. Your purchase will be divided into four equal installments The first one due at the point of purchase and the other three installments due two weeks in advance.
Late fees and interest: Afterpay doesn't charge interest. It charges a late fee up to $8 if a check isn't received within 10 days of payment due.
2. Affirm: Best for purchases of large amounts
Affirm is a conventional loan product. It has longer terms and negotiates the interest rate with each retailer. If you're looking to make a larger purchase, like a computer or mattress, an Affirm loan may have lower interest rates spread over a longer period.
>> READ:
What's available: Affirm partners with thousands of retailers in the U.S., including Amazon, Walmart, Nike and Best Buy.
How to be approved: Affirm can 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 owned an Affirm account as well as any Affirm loans you may have in the process as well as your credit utilization, your current income and debts, and any bankruptcies.
Payment schedule: Affirm offers three-, six- and 12-month payment plans. Plans that are longer than 60 months are possible depending on the amount of purchase. Affirm also has a no-interest option, pay-in-four.
Interest and late fee The interest rates for Affirm loans vary between 0% and 30 percent. There is no late fee for late payments.
3. Klarna is the best choice for earning rewards
Klarna has three payment plans, including the pay-in-four model, the payment in 30 model and a monthly financing option. Once you download the mobile application, users can join Klarna's free rewards program with access to exclusive deals. The program grants 1 point for every dollar spent and can be converted into reward points that can be used in certain retailers.
>> READ:
The places where it's available: Klarna is available at stores like Macy's, Etsy, Foot Locker and Sephora. You can also generate a single-use Klarna virtual card, which can be utilized online with any U.S. retailer, including those that don't partner with Klarna.
How to get approval: Klarna will conduct a soft credit pull. Approval decisions are based upon the amount of money available in your bank account, your history with Klarna and the purchase amount.
Pay schedule: Klarna's pay in 4 splits a purchase into four equal installments that are due every two weeks. The first installment will be due at the time of purchase. This option option gives shoppers 30 days after the item has shipped to make payment for purchases. Klarna also has the option of financing monthly with terms of up to two years.
Interest and late fees Pay in 4 and Pay in 30 are interest-free. Klarna will charge a late fee up to $7 for late payments for the Pay in 4. For financing on a monthly basis, Klarna will charge 0 percentage up to 24.99% interest.
4. Zip: Great for wide availability
Zip, also known as Quadpay it is now available wherever Visa is accepted. After downloading the mobile app and paying with your credit or debit 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 depend on the amount of funds available in your credit or debit card, the history you have with Zip as well as the price of the purchase. It will conduct a soft credit pull.
Payment schedule: Zip uses the pay-in-four model. A purchase will be split into four equal installments , to be paid out every two weeks. The first due at checkout.
Interest and late fee: Zip charges a $1 convenience fee per transaction that is basically interest. This means your total purchase will cost you an additional $4. The late fees could be $5, $7 or $10, depending on your state.
5. Payments with PayPal are made in four steps: The best for security
PayPal provides the BNPL payment plan for customers who have a PayPal accounts and who are currently in good standing. In addition to the brand popularity that could put new BNPL customers at ease, the business extends its PayPal Purchase Protection program to its BNPL plan. If you don't receive your purchase or it's not as described in your description of the item, you may qualify for reimbursement from PayPal.
>> READ:
The location where it's available The Pay in 4 plan isn't currently available for in-store use. It is available on the internet or via PayPal's mobile application at stores like Dillard's, Target and Home Depot.
How to get approved: PayPal conducts a soft credit check. Approval is based on the application form, your account history with PayPal and the information supplied by credit bureaus.
Schedule of payment: PayPal Pay in 4 divides the purchase in four equally-sized installments due two weeks apart and the first installment due at the time of checkout. PayPal also has an option to pay monthly with twelve, six, or 24-month terms for purchases that are larger.
Late fee and interest: PayPal doesn't charge interest or late charges with its Pay in 4. Monthly payment plan, which can be charged up to 29.99% APR.
6. Sezzle: Best for socially conscious shoppers
If you want your BNPL dollars to go further, Sezzle might be a good option for you. Sezzle is certified as a B Corporation, a designation that demands that the lender passes an exhaustive test and display an unwavering commitment to environmental and social concerns. This is a unique feature among BNPL lenders.
>> READ:
Sezzle is available in stores: Customers can purchase Sezzle on the internet and in stores at a variety of retailers, including Target.
How to get approved: Sezzle may conduct a soft credit test, which does not impact your score on credit. It will also consider any prior history with Sezzle when determining the spending limit.
Payment schedule: Sezzle offers a pay-in-four payment plan. Your purchase will be split into four equal installments due 2 weeks apart and the first installment due at checkout.
Interest and late fee: Sezzle doesn't charge interest or late fees. If you fail to make the payment, it will deactivate your account, and you'll not be able to purchase any more items 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 decided through our team of editors. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
0%-30%.
4 installments, due every 2 weeks; monthly payment plans are available between 3 and 60 months.
There are no fees.
5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
0%.
4 installments, due every 2 weeks.
$8 late fee.
5.0 NerdWallet rating NerdWallet's ratings are set by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit scores fees and rates customers' experience, and responsible lending practices.
0%.
4 installments, due every 2 weeks.
Late fee of $7.
4.5 NerdWallet rating NerdWallet's ratings are set by our editorial team. The scoring formula considers 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.
No fees.
5.0 NerdWallet rating NerdWallet's ratings are made by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including impact to credit score fees and rates, customer experience and ethical 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 decided by our editorial team. The scoring formula considers aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and ethical 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 or buy now app?
NerdWallet suggests paying for non-essential purchases with cash whenever possible. Although BNPL may appear to be an ideal payment method but it's still a type of debt.
Be aware of these pros and cons when deciding whether to apply 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 have the option of using the service for no cost. It's not often that you are able for a loan to purchase a product, particularly something that is more expensive like a computer, at no cost.
Soft credit check only unlike applying for credit card, or loan, BNPL apps won't perform a credit check, which can temporarily lower your score. Also, if you're worried about a low rating on your credit report, then you'll likely be more likely to be approved through the BNPL application as opposed to a traditional lender.
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, applications are short and approvals are quick and you can sign up for the BNPL payment plan in just a few minutes.
Cons
Could not be able to build credit: The majority of BNPL companies don't report on-time installments to any of the three main credit bureaus, so it's possible that you won't be in a position to build credit using these plans. Some apps, however, send past-due accounts to collections, which could hurt your credit score.
>> MORE:
Late fees: Though BNPL applications don't charge you a prepayment fee for repaying an loan early, a lot of them charge the late fee for missing payments. These fees can represent a significant percentage of the total amount and can increase the cost of your purchase.
It could lead to overspending: BNPL plans can make it appear as if you're spending less money than you actually. For instance, if your budget for a purchase is $100 and you choose the pay-in-four program that will cost you only $25 upfront. For some they may find it tempting to return and fill up their cart with more products.
Customer service issues: A few BNPL customers might have difficulty solving disputes. For instance, if, for example, you purchase an item that you need be returning, then you have to deal directly with the store, even though your loan is through the BNPL lender. This can delay your refund. Some lenders also offer only online customer service, meaning you won't be able to call for additional details.
Alternatives to buying nowand later
Though buy now, pay later is a straightforward and convenient way to cover a purchase, it doesn't provide the same benefits as other financing methods. You may want to consider these options.
A credit card with 0% interest one-year 0% interest credit card or excellent credit (a credit score of 690 or higher) You may be eligible for a , which charges zero interest during the initial period of the credit cardtypically 15 to 21 months. Credit card companies will submit payments to credit bureaus, which could aid in building your credit score. You may also receive the opportunity to sign up for a welcome bonus or gain access to an rewards program.
>> MORE:
Small personal loan If you're looking for more time to pay back this is a good option. Loans are available for borrowers across the credit spectrum, and like credit cards they can be backed by a history of on-time payments to the bureaus. The interest rate is higher on the personal loan however, when you have a longer term, the monthly installments may be able to fit easily into your budget.
Check if you are pre-qualified for personal loan and it will not affect your credit score
Answer a few simple questions to get personalized rate estimates from multiple lenders.
The amount of the loan
on NerdWallet
About the author: Jackie Veling covers personal loans for NerdWallet.
On a similar note...
Explore even more deeply in Personal Loans
Learn more about smart money strategies - straight to your inbox
Sign up and we'll send you Nerdy posts on the topics in finance which matter to you the most along with other ways to help you get more value from your money.
If you loved this article and you want to receive more info concerning payday loans online $255 i implore you to visit our own web site.
Advertiser disclosure You're our first priority. Each time. We believe that everyone should be able to make sound financial decisions without hesitation. While our website does not include every company or financial product on the market, we're proud that the guidance we offer and the information we offer and the tools we create are objective, independent simple, and cost-free. So how do we earn money? Our partners compensate us. This could influence which products we write about (and where those products appear on our website) however it does not affect our recommendations or advice which are based on hundreds of hours of research. Our partners are not able to pay us to guarantee favorable reviews of their products or services. .
6 Buy Now, Pay Later Apps to 2023
These well-known buy now, pay later applications will split your purchases into equally-sized installments, usually without charges for interest.
Last updated on Nov 3, 2022
Many or all of the products we feature come from our partners who pay us. This affects the products we feature as well as the place and way the product appears on the page. However, this doesn't influence our evaluations. Our views are our own. Here's a list of and .
" " is a kind of payment plan that has become more popular over the last few years, particularly as increasing numbers of people shop online during the outbreak.
Known as BNPL or BNPL for shorter, the plans split your payment into a number of equal, smaller installments, usually with no interest and minimal costs.
Plans are available both online and in store, depending on the app. Some retailers will even offer multiple plans to choose at checkout.
Here are six BNPL apps that you can purchase at major retailers, as well as alternatives to consider.
The year's best personal loans
Browse our Best-Of Awards to evaluate the top personal loans and decide on the right one for your particular needs.
1. Afterpay: Best for the first time BNPL users
In contrast to other BNPL providers, Afterpay offers a variety of payment options, Afterpay has a no-nonsense pay-in-four program that is easy to understand for first-time users.
It also comes with key features that can help prevent the new user from taking on too much. For example, Afterpay pauses your account after one missed payment, and it doesn't transfer you to collections in the event that you fail to pay the loan and it could hurt the credit rating.
>> READ:
Where it's available: Afterpay partners with major retailers such as 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 used Afterpay as well as the purchase cost and whether you have other outstanding loans with Afterpay.
Payment schedule: Afterpay employs the pay-in-four method. Your purchase will be divided into four equal installments The first one due at the point of purchase and the other three installments due two weeks in advance.
Late fees and interest: Afterpay doesn't charge interest. It charges a late fee up to $8 if a check isn't received within 10 days of payment due.
2. Affirm: Best for purchases of large amounts
Affirm is a conventional loan product. It has longer terms and negotiates the interest rate with each retailer. If you're looking to make a larger purchase, like a computer or mattress, an Affirm loan may have lower interest rates spread over a longer period.
>> READ:
What's available: Affirm partners with thousands of retailers in the U.S., including Amazon, Walmart, Nike and Best Buy.
How to be approved: Affirm can 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 owned an Affirm account as well as any Affirm loans you may have in the process as well as your credit utilization, your current income and debts, and any bankruptcies.
Payment schedule: Affirm offers three-, six- and 12-month payment plans. Plans that are longer than 60 months are possible depending on the amount of purchase. Affirm also has a no-interest option, pay-in-four.
Interest and late fee The interest rates for Affirm loans vary between 0% and 30 percent. There is no late fee for late payments.
3. Klarna is the best choice for earning rewards
Klarna has three payment plans, including the pay-in-four model, the payment in 30 model and a monthly financing option. Once you download the mobile application, users can join Klarna's free rewards program with access to exclusive deals. The program grants 1 point for every dollar spent and can be converted into reward points that can be used in certain retailers.
>> READ:
The places where it's available: Klarna is available at stores like Macy's, Etsy, Foot Locker and Sephora. You can also generate a single-use Klarna virtual card, which can be utilized online with any U.S. retailer, including those that don't partner with Klarna.
How to get approval: Klarna will conduct a soft credit pull. Approval decisions are based upon the amount of money available in your bank account, your history with Klarna and the purchase amount.
Pay schedule: Klarna's pay in 4 splits a purchase into four equal installments that are due every two weeks. The first installment will be due at the time of purchase. This option option gives shoppers 30 days after the item has shipped to make payment for purchases. Klarna also has the option of financing monthly with terms of up to two years.
Interest and late fees Pay in 4 and Pay in 30 are interest-free. Klarna will charge a late fee up to $7 for late payments for the Pay in 4. For financing on a monthly basis, Klarna will charge 0 percentage up to 24.99% interest.
4. Zip: Great for wide availability
Zip, also known as Quadpay it is now available wherever Visa is accepted. After downloading the mobile app and paying with your credit or debit 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 depend on the amount of funds available in your credit or debit card, the history you have with Zip as well as the price of the purchase. It will conduct a soft credit pull.
Payment schedule: Zip uses the pay-in-four model. A purchase will be split into four equal installments , to be paid out every two weeks. The first due at checkout.
Interest and late fee: Zip charges a $1 convenience fee per transaction that is basically interest. This means your total purchase will cost you an additional $4. The late fees could be $5, $7 or $10, depending on your state.
5. Payments with PayPal are made in four steps: The best for security
PayPal provides the BNPL payment plan for customers who have a PayPal accounts and who are currently in good standing. In addition to the brand popularity that could put new BNPL customers at ease, the business extends its PayPal Purchase Protection program to its BNPL plan. If you don't receive your purchase or it's not as described in your description of the item, you may qualify for reimbursement from PayPal.
>> READ:
The location where it's available The Pay in 4 plan isn't currently available for in-store use. It is available on the internet or via PayPal's mobile application at stores like Dillard's, Target and Home Depot.
How to get approved: PayPal conducts a soft credit check. Approval is based on the application form, your account history with PayPal and the information supplied by credit bureaus.
Schedule of payment: PayPal Pay in 4 divides the purchase in four equally-sized installments due two weeks apart and the first installment due at the time of checkout. PayPal also has an option to pay monthly with twelve, six, or 24-month terms for purchases that are larger.
Late fee and interest: PayPal doesn't charge interest or late charges with its Pay in 4. Monthly payment plan, which can be charged up to 29.99% APR.
6. Sezzle: Best for socially conscious shoppers
If you want your BNPL dollars to go further, Sezzle might be a good option for you. Sezzle is certified as a B Corporation, a designation that demands that the lender passes an exhaustive test and display an unwavering commitment to environmental and social concerns. This is a unique feature among BNPL lenders.
>> READ:
Sezzle is available in stores: Customers can purchase Sezzle on the internet and in stores at a variety of retailers, including Target.
How to get approved: Sezzle may conduct a soft credit test, which does not impact your score on credit. It will also consider any prior history with Sezzle when determining the spending limit.
Payment schedule: Sezzle offers a pay-in-four payment plan. Your purchase will be split into four equal installments due 2 weeks apart and the first installment due at checkout.
Interest and late fee: Sezzle doesn't charge interest or late fees. If you fail to make the payment, it will deactivate your account, and you'll not be able to purchase any more items 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 decided through our team of editors. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
0%-30%.
4 installments, due every 2 weeks; monthly payment plans are available between 3 and 60 months.
There are no fees.
5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
0%.
4 installments, due every 2 weeks.
$8 late fee.
5.0 NerdWallet rating NerdWallet's ratings are set by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit scores fees and rates customers' experience, and responsible lending practices.
0%.
4 installments, due every 2 weeks.
Late fee of $7.
4.5 NerdWallet rating NerdWallet's ratings are set by our editorial team. The scoring formula considers 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.
No fees.
5.0 NerdWallet rating NerdWallet's ratings are made by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be consumer-friendly, including impact to credit score fees and rates, customer experience and ethical 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 decided by our editorial team. The scoring formula considers aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and ethical 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 or buy now app?
NerdWallet suggests paying for non-essential purchases with cash whenever possible. Although BNPL may appear to be an ideal payment method but it's still a type of debt.
Be aware of these pros and cons when deciding whether to apply 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 have the option of using the service for no cost. It's not often that you are able for a loan to purchase a product, particularly something that is more expensive like a computer, at no cost.
Soft credit check only unlike applying for credit card, or loan, BNPL apps won't perform a credit check, which can temporarily lower your score. Also, if you're worried about a low rating on your credit report, then you'll likely be more likely to be approved through the BNPL application as opposed to a traditional lender.
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, applications are short and approvals are quick and you can sign up for the BNPL payment plan in just a few minutes.
Cons
Could not be able to build credit: The majority of BNPL companies don't report on-time installments to any of the three main credit bureaus, so it's possible that you won't be in a position to build credit using these plans. Some apps, however, send past-due accounts to collections, which could hurt your credit score.
>> MORE:
Late fees: Though BNPL applications don't charge you a prepayment fee for repaying an loan early, a lot of them charge the late fee for missing payments. These fees can represent a significant percentage of the total amount and can increase the cost of your purchase.
It could lead to overspending: BNPL plans can make it appear as if you're spending less money than you actually. For instance, if your budget for a purchase is $100 and you choose the pay-in-four program that will cost you only $25 upfront. For some they may find it tempting to return and fill up their cart with more products.
Customer service issues: A few BNPL customers might have difficulty solving disputes. For instance, if, for example, you purchase an item that you need be returning, then you have to deal directly with the store, even though your loan is through the BNPL lender. This can delay your refund. Some lenders also offer only online customer service, meaning you won't be able to call for additional details.
Alternatives to buying nowand later
Though buy now, pay later is a straightforward and convenient way to cover a purchase, it doesn't provide the same benefits as other financing methods. You may want to consider these options.
A credit card with 0% interest one-year 0% interest credit card or excellent credit (a credit score of 690 or higher) You may be eligible for a , which charges zero interest during the initial period of the credit cardtypically 15 to 21 months. Credit card companies will submit payments to credit bureaus, which could aid in building your credit score. You may also receive the opportunity to sign up for a welcome bonus or gain access to an rewards program.
>> MORE:
Small personal loan If you're looking for more time to pay back this is a good option. Loans are available for borrowers across the credit spectrum, and like credit cards they can be backed by a history of on-time payments to the bureaus. The interest rate is higher on the personal loan however, when you have a longer term, the monthly installments may be able to fit easily into your budget.
Check if you are pre-qualified for personal loan and it will not affect your credit score
Answer a few simple questions to get personalized rate estimates from multiple lenders.
The amount of the loan
on NerdWallet
About the author: Jackie Veling covers personal loans for NerdWallet.
On a similar note...
Explore even more deeply in Personal Loans
Learn more about smart money strategies - straight to your inbox
Sign up and we'll send you Nerdy posts on the topics in finance which matter to you the most along with other ways to help you get more value from your money.
If you loved this article and you want to receive more info concerning payday loans online $255 i implore you to visit our own web site.
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