Best Bad Credit Loans With Guaranteed Approval : Top Platforms For No Credit Check Loans In 2022 | Best Payday Loans With Same Day Approval | Get Instant Cash Online

Applicants seeking loans are often subject to a credit check by lenders. This examination guarantees that their credit history reflects a reliable reputation for the company concerned. If a lender believes a borrower is eligible, they will use this information to determine the interest rate. However, those with poor credit records may be able to benefit from bad credit loans with guaranteed approval. Typically, the lender will assess the eligibility of the applicant based on their ability to repay the loan.

When assessing a borrower’s income, salary, and ability to repay a loan, lenders may look at a borrower’s bank account data or payment history, among other factors.

Anybody who has ever experienced either a short-term or long-term financial crisis or long-term commitments understands how important loans may be. Even individuals with less-than-perfect credit may get the money they need, whether it’s for a new car or an unexpected medical need.

Having a bad credit history may hinder your possibilities of getting a loan, particularly a secured one. However, bad credit loans with guaranteed approval will save your day. There are many businesses on the market that are willing to supply you with a loan regardless of your credit score. However, there are several factors that can affect the process.

It may be challenging to choose the perfect loan for your needs with so many alternatives to select from. We’ve rounded up the best bad credit loans with guaranteed approval that you can be sure will come in handy in hard times. Additionally, we’ve incorporated a list of bad credit loans alternatives, steps to secure a bad credit loan, and the frequently asked questions.

List Of Top Online Lenders For Poor Credit Rating

  1. MoneyMutual: Overall Best Bad Credit Loan For Poor Credit Scores
  2. Bad Credit Loan: Emergency Loans With Easy Approval
  3. CashUSA: Popular Payday Loan For Poor Credit Ratings
  4. Personal Loans: Leading Lender For Bad Credit Personal Loans
  5. Credit Loan: Most Reliable No Credit Check Loan

#1. MoneyMutual -Overall Best Bad Credit Loan For Poor Credit Scores

MoneyMutual occupies the top position on our list of the best bad credit loans companies. They have established themselves as one of the most reliable marketplaces in this business. The company has helped over two million clients get bad credit loans, which displays the brand’s trustworthiness and credibility. Hence, you may put your faith in their lenders when handling your cash.

They make it straightforward for you to connect with their lending partners. They have more than 60 in their database, and they offer services across the country. Additionally, the company holds their creditors to a higher level, and that a higher quality translates into better service for your benefit.

MoneyMutual utilizes your one-time application to link you with the most suitable lender. Every lender they believe will be a good match for you receives a notification, and they are all required to make you an offer. You may check the recommendations, look through the conditions of each loan, and choose the one that best suits your needs and circumstances.


The network includes up to 60 lenders willing to provide loans with bad credit. Their requirements are not based on the customer’s credit score or history.

MoneyMutual’s network includes lenders that provide a range of loans, including bad credit loans with guaranteed approval. Consequently, it is the ideal alternative for supporting clients in discovering short-term loans without incurring fees.

MoneyMutual’s website is easy to use since it has a plethora of helpful information and features. Additionally, the implementation of privacy safeguards ensures that your data is secure.

Depending on the individual’s conditions, a borrower may get a loan ranging from $250 to $5000. Moreover, these potential lenders will examine the data and contact the customer with a loan offer that contains all loan details.

Compared to MoneyMutual, each lender on this platform is completely transparent in their transactions. The lender will need basic information to complete the loan registration and money transfer process.

Before the transaction is finalized, you will be given all of the information you need to make an informed decision. As a consequence, if you’re not happy with any part of the deal, you may always call it off.

MoneyMutual is an excellent choice for customers who are seeking a loan of a reasonable quantity. You may get a loan of up to $5000 as quickly as possible. When an emergency arises, it just takes a few hours for you to be confronted with the need for a substantial amount of money. In addition, you will get your loan cash in the bank account within one business day.


  • Credible business name
  • Various loans for bad credit holders
  • More than two million customers
  • Fast funding
  • Free to use service


  • Proof of monthly income of $1,000 required

Customers Feedback

MoneyMutual has assisted more than 2 million consumers, and this proves the organization’s honesty and trustworthiness. In terms of privacy and security, the website prioritizes the users’ information, which contributes to the company’s credibility and distinguishes it from the competition. Customers often express unhappiness with the exorbitant interest rates set by lenders compared to the actual service provided by MoneyMutual. This, however, does not reflect on the overall quality of the service supplied by MoneyMutual. Customers should thoroughly review the terms of service of any loan they consider before committing to it.

⇒ Visit the Official Website of Money Mutual

#2.Fundsjoy– Best Payday Loans With Active Lenders


Fundsjoy is a company associated with the payday loans system. They are also one of the leading companies in America which are providing bad credit loans. Fundsjoy is connecting you to people who are in a position to provide you with funds ranging from $200 to $5,000 immediately. This is possible because Fundsjoy is working with a variety of active lenders. Low loan amounts Ranging from $300 to $500, can also be applied and they are much more common than larger amount loans. FundsJoy provides three types of loans: payday loans, cash advances, and bad credit loans. Due to low qualification criteria payday loans are easy to get. However, their interest rate is typically high. Adaptability is one of the reasons why FundsJoy can help in emergency funds in a variety of situations. But it is totally up to the customer to decide which lender is best for you.


  • The lender has multiple registered lenders and offers different types of loans depending on the needs of their customers.
  • The platform has a method to facilitate loan processing for its customers, which includes a simple application that needs to be filled out and submitted on the website.
  • The platform offers loans within 10 minutes of submitting an application and after lenders approve the request.
  • They always transfer funds directly to the applicant’s bank account.
  • Lenders are not concerned with how borrowers spend their money; they are concerned with loan repayment on time.
  • Fundsjoy`s website is relatively simple to use and has an eye-catching homepage that easily attracts customers.
  • First-time debtors will locate it easy to navigate the web page and practice for a loan.


  • Fast application – 5 minutes
  • Lots of loan types – cash advance, payday loans, bad credit loans
  • Safe & user-friendly website
  • Smaller loans as little as $200


  • Not a direct lender
  • Lower credit score if late payments

Customers Feedback

FundsJoy is considered one of the best in the market and they are one of the market leaders. Numerous customer has been satisfied with their service. But the selecting the best quality lender is the whole and sole responsibility of the customer.

Visit The Official website Of FundsJoy

#2. BadCreditLoans -Emergency Loans With Easy Approval


BadCreditLoans is a marketplace that links borrowers with potential lenders. Customers with a bad credit history are the primary target audience for this online lending company. Most companies that offer loans require a high credit score. As a result, people are searching for more flexible alternatives than standard credit check requirements.

The company was established in 1999, and it was able to assist a large number of clients. The lenders, not the website, control the terms of loans, and the lender only discusses the loan conditions with the borrower to protect the borrower’s confidentiality.

BadCreditLoans has expanded its network of lenders to include other tribal lenders. These lenders are governed by federal and tribal rules rather than state regulations, which may lead to higher fees and interest rates than those charged by other lenders.

In order to assist you in getting out of debt, they provide you with alternatives, educational sources, and solutions on how to do it in the most efficient manner.

Aside from that, this site is involved in a variety of charitable initiatives. The user interface is straightforward, and the service is entirely free to apply.

In order to apply for a loan, you’ll need to fill out an application form, which will require you to provide some personal information. Because the firm complies with stringent consumer data security rules, you may put your trust in them.

When it comes to getting money rapidly, this online lending platform is the most suitable option. The emphasis of this service is not just on a customer’s credit history but instead on additional requirements such as evidence of income and bank statements.


BadCreditLoans requires that applicants be at least 18 years old to consider a loan. You’ll also need to provide proof of income, proof of citizenship in the United States, and proof of ownership of a bank account in your name.

You may complete the application in three easy steps and have the loan funds sent directly into your bank account without any fuss. To begin, gather all of the necessary information for your loan request. As soon as you submit your application, BadCreditLoans will distribute it widely so that lenders may consider your application. Following that, you’ll contact the creditors to go through the specifics.

You have the freedom to accept or reject the offer without feeling obligated. However, make sure you go through the agreement from every viewpoint.

When you opt to proceed with the loan, you will be required to provide your e-signature. After that, you’ll get the funds in your bank account within a short period. Alternatively, if you reject the offer, you may try making another request and receiving other offers.

Furthermore, you have the option of updating your data to reflect any changes in your financial situation. The stronger your financial position, the more negotiating leverage you have.


  • Easy application process
  • A large number of bad credit loans
  • Fast fund transfer
  • Educational resources
  • Secured platform


  • The credit score affects the loan limit

Customers Feedback

Customers seem satisfied with how easy it is to secure a loan via this site since it requires only a soft credit check. Moreover, filling out the application on the website takes only a few minutes, which adds to the convenience of this service for most individuals. Alternatively, banks place a lot of emphasis on your credit score. However, Bad Credit Loans are more flexible, and that’s why it has become so popular among those with low credit in recent years.

The application might be time-consuming. But we’re confident that the time and effort you put into preparing a successful loan application will pay off.

⇒ Visit the Official Website of Bad Credit Loans


CashUSA is a reputable business for providing borrowers with a wide range of borrowing solutions to meet their urgent financial needs. Consider that it makes no difference whether you wish to pay back a loan or work on a personal project; CashUSA can function to satisfy your demands properly.

In addition, this site provides loans that are often twice the average amount of other bad credit loans with guaranteed approval businesses, which is a significant advantage.

Once you have completed the application online, you will be presented with a choice to compare various lenders’ options.

In addition, you will have the chance to look at offers for credit repair, financial assistance, and other services. Nevertheless, if you do get a request, you will be required to supply extra information to the lenders, which may assist them in determining your eligibility.


CashUSA operates similarly to the loan platforms we mentioned before. You submit your application on the internet by completing the online form, which comprises minimal data. Add your name, email account, citizenship status, and the amount of money you wish to borrow to the application.

Being an online marketplace rather than a direct lender, CashUSA does not provide information on total annual percentage rates (APR). Depending on the amount of information you give in your application, your credit qualification, the state in which you reside, and the lender, your APR will vary. The annual percentage rate (APR) for short-term loans ranges from 59.99% to 359.99%.

After that, you’ll fill in the blanks with additional information such as your phone number, residential address, monthly income, information about your employer, a photo ID, and your Social Security number. Last but not least, you supply more information on your checking accounts and other pertinent information about yourself.

It may seem like you are putting in a lot of effort because you are sharing sensitive information. However, the more information you can supply and the more you enhance your loan application package, the greater your chances of receiving a loan are of being approved.

Furthermore, it is much less time-consuming than interviewing a large number of lenders in the hopes of being approved for a loan.

With CashUSA, everything is done digitally, making it more straightforward for lenders and borrowers to cooperate. The most significant distinction is that you will be matched with a lender who meets your specific borrowing needs.

You can trust CashUSA to handle the searching, applying, and filtering on your behalf. You’ll be able to take advantage of the bargains in the comfort of your own house.


  • No credit restrictions
  • The possibility to improve the credit score
  • Personal data disclosure
  • Extended payment periods
  • Excellent customer service
  • Educational resources


  • Additional information required

Customers Feedback

Customers complimented the services provided by CashUSA, and they especially admired the website’s online instructional materials. Moreover, its lenders are prepared to give loans without a credit check, which is an advantage.

Furthermore, while receiving a poor rating from the Better Business Bureau, this ranking is the consequence of a failure to respond to some issues raised on the BBB’s official website. While interest fees can be too high, the website and its functionality are excellent features.

⇒ Visit the Official Website of CashUSA

#4.Personal Loans -Leading Lender For Bad Credit Personal Loans


Among the few lending services available today, it allows you to choose between two different networks of lenders, which makes Personal Loans stand out from the crowd.

This platform comprises lenders that specialize in providing services to people with bad credit loans. You will not be required to pay any extra charges or additional expenditures if you use this site.

It takes just a few minutes to establish contact with potential borrowers since it is so easy to complete the online application form. Your request will then be submitted to the appropriate lenders.


Given that Personal Loans is a large service provider, it stands to reason that they have more considerable expectations of their prospective consumers. Applicants seeking loans must not have recently gone bankrupt, their accounts must not be more than 60 days past due, and they must confirm that they have no outstanding obligations against them that cannot be paid off. In addition, you must supply them with your social security card and evidence that you have a legitimate credit account.

Even though Personal Loans requires all this information to qualify for higher loans, the company does not perform credit checks. This is an ideal business strategy for a consumer with a solid financial background but has had a financial crisis lately. Everyone experiences the ups and downs of life. A low credit score may result from various circumstances, and how you cope with the situation is much more significant than what you say about it in this case. When it comes to Personal Loans, being able to borrow a large sum of money while maintaining a decent payment history can do wonders for your credit score.


  • Large loans up to $35,000
  • Responsive customer service
  • Instant access to funds
  • Easy application process
  • Various lenders for all types of bad credit scores


  • Very high monthly income required

Customers Feedback

Users have given Personal Loans an overwhelmingly positive evaluation on the site. Many individuals have praised its broad range of lending objectives and its speed and ease of application. In addition to being incredibly user-friendly, the website provides a wealth of information on various financial topics.

⇒ Visit the Official Website of Personal Loans

#5. Credit Loan – Most Reliable No Credit Check Loan


Since its inception in 1998, Credit Loan has developed into a well-known online lending platform, bringing together prospective borrowers and lenders alike. Persons highly favor using this service with bad credit scores who seek short-term loans to meet their financial needs. This organization has more than two decades of expertise in the loan industry and has maintained its position as a leader despite intense competition over the years.

One of the most striking aspects of this company is that it provides consumers with loan amounts ranging from minor to substantial — making it more adaptable than most comparable businesses in the industry.

Both lenders and borrowers express satisfaction with the ease with which they may interact via this service and how effectively it has changed in response to the changing needs of both.


Lending platforms function similarly. You register with the site, submit your application, and get loan proposals from lenders. On the other hand, Credit Loan is distinctive in that it offers the lowest interest rates available on modest loans.

Furthermore, Credit Loan is concerned about your personal information, and they use industry-standard security procedures to protect the confidentiality of your data.

Additionally, the Credit Loan website adheres to the most stringent security measures available in the market. For example, it uses the McAfee SECURE certificates, which secure your financial information as you browse the website.

In any case, when you submit your data, Credit Loan sends it on to the lender’s network on your behalf. Credit Loan will provide you with the contact details of any lenders interested in honoring your request. You may then negotiate the loan specifics with the lender from there. Although it seems to be a lengthy order, it is completed in a few hours.

After reading and accepting the terms and conditions, you may sign the contract. If you don’t like the conditions, you may bypass the lender and locate another that meets your requirements. No one has the authority to force you into bad credit loans with guaranteed approvals; you are free to make your decision.

Unless you and the lender come to an agreement on anything else, the money will typically be sent to your account within 24 hours. Once the funds have been deposited into your bank account, the clock begins to tick toward the first repayment plan.


  • Various loans from $250 to $40,000
  • Secure website
  • Rationale for personal data request
  • Reputable business
  • Direct deposit of funds in 24 hours


  • A bad credit score affects the loan limit

Customers Feedback

CreditLoan customers have expressed satisfaction with the company’s service. Everything, from the application procedure to receiving a loan offer, is simple. Most significantly, Credit Loan is common among borrowers looking for rapid financial gain without putting up too much work.

Aside from that, they may return the loan at a reasonable rate that will not strain their financial situation. Some consumers have reported that having their lenders disclose on-time repayments to credit agencies has helped them improve their credit scores.

⇒ Visit the Official Website of Credit Loan

Factors to Consider Before Getting Bad Credit Loans With Guaranteed Approvals

We felt it best to offer you a good overview of the elements you should examine before taking out a loan to protect you from loan scams.

If your application is approved, you’ll get information on the loan’s terms, such as the annual percentage rate (APR), loan limits, total payment, and repayment time. Examine them thoroughly and get familiar with the terms before moving on.

  • Requirements for Submitting an Application

A credit score of 620 or higher is commonly required by lenders that specialize in loans for those with bad credit. Debt-to-income ratios are generally limited at 45 percent of total revenue, and the debt-to-income ratio shows the difference between your monthly outgoings and your monthly inflows.

The better a borrower’s credit history, the more lenders appreciate it if they have a reliable income to back them up. To conduct business with specific lenders, you may be required to have a particular yearly income. When evaluating your financial responsibility, particular lenders may take into consideration other areas of your life, such as the quantity of money in your savings account. When determining your capacity to repay a loan, others will take into account your work and income. If they can find a lender that provides this kind of loan, those with no credit record or debt may be able to receive one.

  • Repayment Terms & Conditions

30 days after loan acceptance, the payback process begins. This may vary from as little as six months up to seven years in the majority of instances. This time period is critical because it affects the monthly installments and interest payments the customer must make throughout the loan.

According to various factors, including the borrower’s credit score, total loan amount, and loan period, the interest rate is determined. As a result, the interest rate may range from 3.49 percent and 29.99 percent, and it may even rise higher. The customer’s credit score is typically a determining factor in the interest rate.

  • Obtaining a Loan in a Convenient Time Frame

Customers with bad credit should expect their funds to be deposited into their bank accounts within a day, although this might take anywhere from a few days to a week. As a consequence, it’s critical to think about how long the loan will be paid back.

As an additional expense to lending rates, the Annual Percentage Rate takes into account any upfront or origination fees that the lender may charge the borrower. The interest rate is a good comparison point for this figure.

These alternative charges must be taken into account since they may raise the overall cost of the loan and hence make it less affordable.

Steps to Secure a Bad Credit Loan With Guaranteed Approval

Credit Acceptance

Those who provide loans to bad credit holders require the FICO minimum credit score criterion. FICO is a well-known analytical firm that advises a credit score of at least 620.

They don’t only look at your credit history; some firms look at the history of your credit rating as well. They do this to look at your previous loan and repayment history.

Eligibility Based on Your Income

In addition to the criterion, the debt-to-income ratio must be considered. Most lending companies prefer borrowers with a proven regular income, which is bad news for self-employed people and other individuals who don’t fulfill that requirement. On the other hand, having a steady income demonstrates that repayments can be fulfilled on time and in total, which is vital to loan vendors.

Some lenders may impose procedures to verify that you satisfy these criteria. For example, they may charge an annual income cap on the borrower to guarantee that you can repay the loan. Not all lenders will do this, but some will consider certain aspects, such as how much you make from your employment when determining your capacity to repay the loan amount.


If your credit history prevents you from meeting the qualifying requirements, you might hunt for lenders that will allow you to have a co-signer. Having a bad credit loan co-signer will enable you to leverage their score and income to better bargain with a lender.

This may also get you a loan with a cheaper interest rate, and your co-signer is obligated to pay on your behalf if you struggle to deliver a repayment. The co-signer must also go through the checks and loan agreement formalities as a guarantee for your lender.

Prepare Your Necessary Documents

When applying for a loan, lenders usually require you to submit your pay stubs or tax documents as proof of your income. Depending on the client’s income, a personal loan may or may not be approved for them. The time and effort it takes to prove your creditworthiness might be significantly reduced when working for a well-known company and earning well. As long as you are financially stable and can repay the money you have borrowed, you are eligible for a personal loan.

Complete Your Application

After you’ve decided on a lender, you’ll need to complete a detailed application and give any applicable documentation, such as financial records or pay stubs. Assume you’re asking for a loan and have no credit history. In such a situation, the lender may additionally request information about your job history or other pertinent information from you.

Bad Credit Loans Alternatives

If you are unable to get a loan because of bad credit and feel you have no other choices, you might be wrong. There are always alternatives to cope with your situation. The following are your most excellent options for obtaining a loan:

  • Take Advantage of Your Employer’s Assistance

If you are on excellent terms with your company, you might request some cash payment against your income. This short-term loan can assist you.

  • Cash Advance on a Credit Card

This is one of the solutions available to folks with poor credit. Typically, you would use your credit card to buy anything you need and then pay the whole balance back later. However, if you need liquidity, a financial institution may offer you cash.

These loans are meant for those who need access to large quantities of cash. On the other hand, these loans are riskier since they are backed by a property, such as a house. To put it another way, if the lender does not pay back the loan on time, the lender takes possession of the property. However, low credit might benefit from this kind of funding since such loans are granted regardless of one’s credit record. Thus, if the borrower is ready to put their personal property at risk, a secured loan may be viable for acquiring large sums of money.

  • Look for Non-official Solutions

If you’re running out of options, you may want to consider non-official alternatives. As an example, you may sell one of your most valuable items, and asking for a loan from a friend or family member is another option. Alternatively, you may want to consider budgeting and cutting unnecessary expenses. Until time gets better, you should be patient and try to live with the minimum.

FAQs About Bad Credit Loans

Q1. How can I find out what my credit score is?

You have a legal right under US law to receive a free copy of the report from all three agencies. You may get this at and know what you’re up against. Furthermore, there is a good likelihood that anyone you bank with provides a comparable tool for assessing your credit, and it does not do a hard check. Therefore your credit score is not harmed—for example, Chase and US. Credit Union/Bank both provide similar services, and their clients may keep track of their credit scores throughout the year.

You want a credit score of at least 620. 300-579 is regarded as bad, 580-669 is considered acceptable, 670-739 is deemed excellent, 740-799 is considered very good, and 800-850 is deemed extraordinary.

Q2. Should I improve my poor credit score?

Without question, you should strive for a good credit score. A low credit score may hinder you in a variety of ways. Many banks will not engage with individuals with bad credit, making it difficult to get personal loans, vehicle loans, debt school loans, and credit cards. You may be compelled to take out a loan from a deceptive lender, which will only push you further into debt.

Q3. Are bad credit loans guaranteed for unemployed people?

In this instance, “no” is the only response. It is in the best interest of lenders to ensure that you will be able to pay back the loan at some point in the future. Everyone who makes money via investment homes, retirement pensions or accounts, federal subsidies, or investments is able to apply for consideration. In order to secure a loan, if you don’t have a regular income and don’t have an annuity, student assistance, or child support, you should apply for one of these loans.

Q4. Is it more challenging to receive a big loan if you have a bad credit score?

Because of the high-interest rates, you may be eligible for up to $25,000 from several internet lenders, even if you have bad credit.

Once you establish your requirements, think about how much you’ll need to use. If, for example, you require $1,000, you may ask for the same amount. Because a smaller loan is easier to be approved, and the interest rates are lower, you should just apply for $1,000 and nothing more. As a consequence, the lower the loan amount, the more advantageous it is.

Q5. Is it possible to get a loan without having your credit checked?

To determine whether or not you are qualified for a loan, most lenders will use your credit score. Lenders will use alternative verification techniques like bank information or artificial intelligence to assess whether they will provide you with a loan.

Q6. Does a high-interest rate apply if I have bad credit?

Loan approval standards vary widely across lenders. The customer’s financial background may be examined using bank information by certain lenders, while credit scores are more important to others.

The lack of a standard APR for loans with low credit makes it difficult to estimate the interest rate. Typical interest rates range from 5.5% to 36%. Most lenders will charge you higher interest rates because of a poor credit score.

Q7. Are bad credit loans safe?

Yes. Before you sign the contract, every loan should inform you precisely what your payback conditions will be. It is effortless to study the needs of your agreement before signing it and determining whether or not you can repay the loan. Frequently, the answer will be no. Simply put, the interest rate will be too high for how much money you spend making monthly installments. They do, however, spell out the terms in great detail. You will know what the loan implies as long as you can read the tiny print, and they will be safe as long as your contract states.

Final Thoughts

A financial setback is an unpredictable event. There are situations when there isn’t enough time to put up a loan request packet. However, regardless of economic level, everyone has a few during their lives. You are not alone in your feelings. Numerous individuals have been able to climb out of financial tangles thanks to the assistance of internet loan services. A small number of individuals are still suffering; if you are one of them, we assure you that there is always a silver lining.

By now, you should have gathered all of the information you need to proceed. It’s simple to bring your financial situation under control with a bit of forethought. Reduce, and in some cases, even reverse the harm. We discussed each platform’s features and benefits in detail throughout this article. Choose the one that seems to be the best fit for you. To be clear, you do not need to submit your application via all platforms. If you apply for a large number of loans simultaneously, your credit score will suffer. Choose one and stay with it to the conclusion; for the sake of assisting you, we recommend going with MoneyMutual without hesitation.

Is there a company out there that provides the best no-credit-check loans? As you can see from the above list, the most reputable lenders are MoneyMutual, BadCreditLoans, and CashUSA. You won’t have to worry about fraudsters getting your personal information since these loan firms are well-known. Just be sure to create a repayment strategy and make all of your scheduled installments.

The news and editorial staff of Sound Publishing, Inc. had no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. does not accept liability for any loss or damages caused by the use of any products, nor do we endorse any products posted in our Marketplace.

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