Payday Loans South Africa | Payday Loans Online With Instant Approval


Are you doing the statistics, figuring out the amount of money you will need to lend to take you through the month, pay for an unexpected bill, or replace that mysterious noise in your automobile?

You’re probably one of the millions looking for payday loans. With several payday loans poor credit online to select from, it may be challenging to determine which ones provide affordable prices and are the safest to use.

In this post, we will walk you through some of the best payday loans in South Africa and how you can apply.

#1 Payday Loan South Africa in 2021 – Lime Credit


Best Payday Loans South Africa 2021 – Quick-Pick:

  1. Lime Credit – Best Payday Loans Portal in SA. Visit Now.
  2. Wonga – Good for Fast and Convenient Loans
  3. Express Finance – Good for Short Term Cash
  4. Blink Finance – Good for Flexible Short-term Loans
  5. Finance 27 – Best for Short-Term Loans
Loan Amount Loan Terms  APR Range Loan Fees Customer Support
Lime Credit R300 – R5,400 5 days – 35 days 4.99% – 15.99% Undisclosed Yes
Wonga R500 – R4000 4 days – 3 months 0.16% per day R69 monthly service fee Yes
Express Finance R1000 – R3000 30 – 60 days  36% R60 service fee Yes
Blink Finance  R500 – R4000 61 – 65 days 38% R 153 – R 587 Yes
Finance 27 R500 – R4700 61 – 65 days 38% R153.89 – R666.90 Yes

What Are Payday Loans?

A payday loan is a short-term loan typically up to R5,000 which is repaid by the borrowers next pay date. The maximum amount of credit you can borrow is usually based on a percentage of your following income. Payday loans have high-interest rates since they are used for short-term quick credit. They may also be referred to as “cash advance” or “check advance” loans.

Same-day poor credit payday loans are intended to be repaid fast, often within seven to thirty days. However, specific lenders may allow for a longer payback time based on the scale of the loan. Due to the short loan period and the fact that payday loans are intended to provide temporary financial assistance, lenders typically put a few hundred dollars (occasionally up to $2,000) limit on payday loans.

Payday loans immediate approval is because they are often issued within 60 minutes and are expected to be repaid on your following payday.  The lender sets up an automated direct debit to withdraw funds from your checking account the same day you are paid.

Payday loans are only authorized in 32 countries, so if you don’t live in one of them, you may be unable to obtain one. The sum you can loan, as well as the terms and conditions, varies by state.

Payday loans incur exorbitant interest rates and don’t need security, classifying them as an unsecured personal loan. They can also be called predatory lending since they have exceptional interest rates, do not take a consumer’s creditworthiness into account, and include concealed conditions that impose additional fees.

How To Qualify For Payday Loans Online – Eligibility Criteria

Many payday lenders, as per the government’s National Credit Act (NCA), simply demand applicants to:

  • Be at least 18 years old
  • Provide evidence of earnings and a valid identification card.

If you don’t meet the above criteria you will unlikely be able to obtain a payday loan, however some lenders may approve your loan at discretion, and so the best option would be to contact them directly to find out if you can qualify.

Common Uses Of Payday Loans South Africa

1. For Debt Consolidation

Without uncertainty, most users of payday take out the funds to pay off yet another obligation. You can use the loan to repay a different company’s loan. It might also be a debt from an additional source, like a credit card.

If this is the case, applying for a payday loan may be necessary, especially if the interest rate is touted as less than what the client owes on the other debt. However, the indicated amount of interest isn’t always totally actual. It frequently excludes additional expenditures that might sum up to a considerable expense that is difficult to avoid.

Individuals should employ debt consolidation rather than seeking a payday loan. This program will consolidate the whole of your debts, so you can quickly payback. It’s far less dangerous than taking out a payday loan.

2. To Take Care of Your Holiday Expenses 

For direct lenders, Christmas is often a lucrative time. During this time, parents grow restless as they look to purchase all that their children desire. Payday loans are popular as they appear to be the most cost-effective option. You can quickly get the funds you want for the holidays, and pay them off in the following year, ideally after you’ve acquired some cash.

To some extent, it sounds reasonable; however, parents frequently borrow considerably more than they could ever afford. They provide their children with almost everything they desire but fail to keep off debt. Even though birthdays may also be a difficulty, Christmas takes the lead—there is a component of magic that youngsters think is connected with. It’s tough to explain to a youngster that you can’t afford to purchase presents when Santa is expected to deliver them.

3. To Foot Out Bills 

Paying off high-interest debt is one of the most popular reasons individuals take out a payday loan. Instead of taking out a loan, individuals should search for alternatives to reduce their energy expenditures. Controlling your energy use is the most effective approach to accomplish this. You can invest in more excellent house insulation rather than spending money on gas.

Denser curtains will maintain more heat in the house without requiring any costly alterations. Alternately, restrict the length of showers to save water.

4. To Repay Mortgages 

Which is worse: taking out a payday loan or slipping on home payments? Many individuals would contend the latter to be the worse alternative. Precisely because the mortgage lender will begin to believe you cannot afford the repayments.

As a result, they may take legal action against you if you keep making late payments. There are two alternatives to examine in this situation. You can either speak with your mortgage lender and request a more appropriate payment arrangement or decrease your living space. Either way, you’ll not have to apply for another fast loan for bad credit to stay current.

5. To Take Care of a Medical Emergency 

A medical emergency will always be expensive if you do not have medical insurance. It might vary from two thousand to a hundred thousand depending on the sort of medication that you require.

When you do not settle the bill immediately, it accrues interest, just like any other loan. Even so, it may be costly. Medical concerns are undoubtedly one of the most common reasons individuals seek out payday loans or short-term loans. But the easiest way to handle the issue is obtaining health insurance.

Best Payday Loans Online in South Africa – Fully Reviewed

1. Lime 24 – Best Payday Loans Lender in South Africa


Lime24 is a South African financial technology firm that offers advanced digital solutions to revolutionize the way individuals lend money. They are a subsidiary of Lime Credit Group. This more significant holding business employs advanced algorithm and machine learning skills to provide a platform for a tailored approach to borrowing.

Being one of the global highest online lending network and financial service firms, Lime24 aims at assisting its clients in managing their financial affairs swiftly, quickly, and safely.

Like Absa Loans, Mpowa Finance Loan, Bfs Loans, Boodle Loans, Bayport Loans, and so on, they feel that keeping a balanced financial position is critical, and they find value in being able to supply their clients and families with the most acceptable loans fit for their requirements via Lime24 Loans.

Since 2013, the Lime Credit Group has served over 374,000 clients through Lime Financial Services and has over 600 employees and nine offices in 5 countries. Lime Loans strictly adhere to the regulations outlined in the National Credit Act.


  • The application procedure and approval are completed in a matter of minutes, enabling you to obtain money in your account as soon as possible. Lime loans are an excellent alternative for borrowing money in a pinch.
  • There is no paper involved in the application procedure.
  • There is a high level of transparency as there are no hidden costs, and all loan computations are available online.
  • The lender platform is flexible because you choose the loan amount and duration that works best for you.


  • In comparison to typical banks, Lime24 charges hefty interest rates.
  • Clients have a short payback period.
  • They cannot handle major financial issues—they provide little sums while demanding exorbitant interest.

2. Wonga – Good for Fast and Convenient Loans

Wonga loans are a service provided by Wonga, a FinTech firm that has been offering short-term loans to South Africans since 2011. FinTech created an easy-to-use automated risk processing solution that expedites the application and loan computation processes.

As a reputable lender, Wonga employs fast decision-making technologies to assist credit checks before processing loan applications. Wonga analyses other elements in addition to credit checks before approving an application. Your application will also be approved based on factors such as your debt-to-income ratio and typical monthly earnings.

The highest monthly interest rate for Wonga loans is five percent. It imposes a monthly fee of R69, which is paid for the first 30 days of the loan. The service charge is a drawback because you wouldn’t anticipate an online lender to impose so much.

In addition, the lender imposes an initial fee to cover the expenses of putting up your Wonga loan. The startup cost is proportional to the loan amount; the more extensive the loan, the larger the fee. Because their webpage permits you to examine all relevant expenses throughout the application procedure, you will learn about the startup fee for your loan.

If you fail to make a loan payment on time, you may be charged late fees. Wonga doesn’t prolong repayment terms; but, if you get yourself in such an unpleasant situation, Wonga could assist you in developing a repayment schedule.

Wonga is among the most straightforward fintech lenders.  Engaging with an open lender allows users to make an educated selection before taking on loan obligations.

Wonga’s actions are entirely legal and ethical. Wonga is a member of Micro Finance South Africa, to begin with (MFSA). It is also a National Credit Regulator-registered credit provider, and all of its customer service personnel are members of the Council for Debt Collectors. Furthermore, Wonga is an ethical operator who only offers loans to individuals who can pay using a secure network that ensures that your personal information is safe.


  • Loans that are quick and easy to obtain: When you’re in a financial emergency and want a loan that is fast and easy to get, Wonga is the ideal alternative.
  • Ethical lending: Wonga is exceptionally picky about the individuals they give loans to. Wonga advises not to apply for a loan. If you believe that borrowing is unnecessary, you cannot afford it, or when you’re in financial difficulty.
  • There are no hidden fees: Wonga is straightforward, so you will know the exact amount of the loan before applying. This assists you in determining the loan amount you can and cannot afford.
  • Timely repayment: Early repayments of your loans will save you money on interest—Wonga will not charge you for this.


  • Wonga does not offer long-term personal loans; therefore, it is not suited for applicants who want more outstanding sums for reasons like purchasing a car or taking a vacation.
  • No branches to visit: It will not be possible whenever you want to have face-to-face customer support. All the services are online via Wonga’s website.

3. Express Finance – Good for Short Term Cash

Express Finance’s mission is to provide you with a short-term personal loan to settle the unanticipated needs that disrupt your financial flow. The payday loan has a total duration of one month, and you can choose the amount you need and for how long using the slider. You’ll notice three choice buttons for clients—first-time users, regular users, and civil servants just above the slider.

First-time users are visiting the site from scratch, and this choice will save them 40 percent off the Initiation and Service Fee. The regular user is for second and third loans for all customers, excluding government personnel, and this choice costs the usual NCR Rates.

Public Servant is intended for organizations owned by the government, the state, or a semi-state. SAPS, Education, SANDF, KZN Health, Ethekwini Transnet, and Municipality, are some examples. If you are unclear whether your organization comes into this classification, submit it, and we’ll let you know whether so or not.

Express Finance is the only Loan Service that offers a 40percentage reduction on the initial and servicing fees for your first loan, as well as providing an exceptional discount to government, state, and semi-state-held businesses. We shall compile a list of institutions and companies that fit within this category, and corporations may be listed at our discretion in specific instances. To view the discounts, simply click the choice buttons on the homepage.

The application procedure is straightforward. Select your needs using the sliders and then hit the Apply button. If you don’t have an account, select “Create an Account.” But if you already have an account, please log in and follow the onscreen instructions. You must review and meet the customer requirements. Kindly note that if you do not satisfy these prerequisites, you will be unable to advance with the application.


  • You can purchase the website Sliders for a maximum of R8000.
  • The loan is deposited into your bank account by EFT as soon as you sign for it.
  • To avoid security issues, the Site is continuously updated.
  • It follows all legislative standards outlined in the National Credit Act.


  • You can’t apply for a loan on someone else’s behalf

4. Blink Finance – Good for Flexible Short-term Loans 

Blink Finance provides South Africans with quick and same-day adaptable short-term loans. This platform has helped many clients achieve their financial independence and is reputable for its excellent customer service and straightforward online process.

Blink Finance empowers clients to take charge of their finances. The online application process is transparent, and it’ll take you only a few minutes to complete. After your loan request has been approved, the amount will be deposited into your bank account within 24 hours. At only R57, Blink Finance can help you speed up the disbursement process to cover your emergency expenses.

Blink Finance offers a wide range of financial services. Their devoted support team is well-versed in the financial industry and is always glad to assist. Blink Finance is prepared to walk with you in your financial journey.

What’s more, this platform allows you to pick the period you’ll be comfortable paying back the loan. They load the debit orders on the client’s accounts and withdraw an installment each paid. This saves clients the hassle of depositing or any other method of repayment arrangement—everything is automated.

Blink Finance boasts of its excellent customer service, which always prioritizes customers’ needs. Its fast and straightforward website layout allows its users to apply for their services 24 hours a day, seven days a week. This lets their clients pick a time that is most convenient for them. With Blink Finance’s exceptional loan services, you may devote time to your personal and financial status while selecting which loan is appropriate for you.

To qualify for their loans, you must have a reliable job with a steady income and pass their credit test. Once the agency verifies your income and expenditure, your loan will be approved. However, a bad credit score will not necessarily disqualify you from the loans.

Their team considers various factors when determining eligibility and may approve your loan regardless of your credit history.


  • It’s certified with the National Credit Regulator
  • You can borrow up to R4,000
  • Their payout process is within 24 hours


  • First-time users can only borrow up to R2,500, payable in one month.

5. Finance 27 – Best for Short-Term Loans 

Finance 27 is among the most trusted payday platforms in South Africa. It provides instant, simple, and versatile short-term loan services. Thanks to its impeccable background in the financial space and love for what they do, this platform can professionally satisfy virtually all your financial needs while delivering outstanding customer service.

Finance 27 takes pride in assisting its clients to acquire the financial freedom and peace of mind that they all deserve. This platform’s transparency, straightforward online method, and customer-centric culture have earned them popularity among South Africans.

Finance 27 can come in handy with a quick loan when you have any unforeseen expenses. It provides fast and straightforward short-term loans to help you handle your cash flow and get you through to your next paycheck.

Additionally, this company provides its clients with profitable financial planning guidelines. They have a team of well-trained members who’re always available to assist clients.

Their innovative and adaptable online system allows clients to apply for a loan anytime that is most convenient for them—you’re in charge of your application schedule. This gives you ample time to record personal and financial positions carefully and thoroughly analyze which loan is perfect for your case.

To be eligible for this platform’s loan services, you must have a job with a reliable income. After verifying your employment, salary, and expected monthly expenditure, your loan will be approved.

The organization typically carries out a credit check on their client when evaluating the loan applications. However, a bad does not necessarily mean that you’ll be disqualified for their loan options—finance 27 factors in various aspects when determining applicants’ eligibility. But the most significant element they use is the client’s capacity to repay the loan.


  • Finance 27 payout the loans within 24 hours after the approval, so you can solve the emergency ASAP.
  • A first-time applicant can qualify for up to R2,700, whereas a repeat client can be guaranteed over R4,700
  • You can still qualify for a loan even if you have a bad credit
  • This platform has exceptional security features to see that its clients’ information, such as bank account details, is safe


  • Finance 27 services are only available to people with jobs and a stable salary.
  • You cannot get a loan of up to R10 000
  • Their limit doesn’t hit R10,000
  • Their loans come with high-interest rates—higher than the personal loans

Payday Loans South Africa Regulations

Payday loans South Africa are regulated by the National Credit Regulator (NCR). The NCR directs and sets out the National Credit Act along with other national bodies such as the FCSA and Prudential Authority. New regulations brought out by the NCR in June 2007 cap the highest interest rate charged on credit.

Many state governing laws set the highest payday loan interest rates in the range of $10-$30 for anyone who borrows $100. However, if you look at the 2-week payday loan with an interest rate of $15 per $100, the yearly percentage rate becomes almost 400% – which is why payday loans are used to repay within a shorter period up to a few months, rather than 1 year.

In the same light, the National Credit Act regulations have prescribed the highest interest rate on individual loans at (5.5 x 2.2) or (RR x 2.2) +20% that’s equivalent to 32.1% annually. 

States in South Africa Where Payday Loans are Available 

It has been proved that close to 80% of South Africans request unsecured and expensive loans to help them manage their monthly financial bills. This pushes most South Africans to a dangerous corner where they have to seek two jobs and acquire loans to cater for their emergency expenses, repair vehicles, pay school fees, and pay for unexpected bills.

Below we list which states are available for loans in South Africa:

  • Johannesburg
  • Pinetown
  • Cape Town
  • Tyger Valley

Local Loan Stores in South Africa 

Payday loans are simply maximum-cost loans and short-term loans usually for up to $500 due on the next pay date. Depending on your state or country governing law, in addition to accessing payday loans online, these loans may be available to you through stores. 

Take a look at some loan stores in South Africa available:

  • Smartadvance South Africa – Pretoria
  • Letsatsi – Johannesburg 
  • Cash Flow Capital – Pretoria 
  • Cash Loans SA – Rivonia 

Types of Payday Loans Online

Payday loan firms check advances, cash advances, post-dated check advances, and deferred-deposit loans. While obtaining loans from these firms is easy breezy as they hardly assess applicants’ credit records, their interest rates are exceedingly high. The following are types of payday loans:

Payday Loans No Credit Check South Africa

The no-credit-check also called a no-credit-check-installment loan, are loans services that do not carry out a credit record check on their users. The no-credit-check services often lure many borrowers with a bad credit history.

These loans feature high rates; in some cases, the rates can be over 400%. The rates are far above the typical rates imposed by credit unions and other online lending options. Therefore, before taking out a loan, explore all your options and know all the financial risks you could stumble into.

Although the no-credit-check loan may seem like an excellent option at first look, you should always look into other alternatives and avoid them if possible. The excessive interest rates result in significant payments, which can trap you in a debt cycle and ruin your credit record.

Bad Credit Payday Loans South Africa

A bad-credit loan is meant to help borrowers with poor credit scores access loan services. However, these loans come with fixed rates and are paid in fixed installments. The lending institutions review your credit score, credit record, and debt-to-income ratio to determine whether you’ll qualify for the loan.

Every lending firm has its requirements—such as credit score criteria—for loan request approval and pricing. This makes it hard to determine the APR precisely they’ll subject to you for a personal loan if you have a bad credit history. Personal loans can come with interest rates from 5.5% to 36%. However, if you have a bad credit rating, expect rates higher of this scope.

Guaranteed Payday Loans South Africa

In the finance field, a loan guarantee can refer to a pledge by a party to cover the borrower’s financial obligations if the borrower fails to pay them back. A warranty can be unlimited or limited, making the guarantor accountable for just a portion of the loan or the entire loan amount.

A loan guarantee is a legal agreement between the government, private lenders, and a borrower—such as banks and other commercial loan institutions—that the government will be liable for the borrower’s financial obligation if the borrower fails to repay.

Therefore, the third party in this case willingly agrees to repay the loan if the borrower defaults. Great examples of such loans are guaranteed mortgages, payday loans, and federal student loans.

Payday Loans Direct Lenders South Africa

Direct lending is a type of corporate debt financing where lending firms and banks offer loans to businesses directly, without using middlemen such as a broker, an investment bank, or a private equity company.

Credit unions, major lending firms, and banks are examples of direct lenders. When dealing with a direct lender, you will engage with loan officers, processors, underwriters, mortgage closers, and funders who work for the same organization applications take. In this sector, the loan officers are the sales force for financial firms.

Direct loan lenders approve and finance mortgage loans. You can use brokers if you want to avoid the stress associated with contacting many lenders. The bank is an excellent place to start, especially if the relationship between you and your financing company is perfect.

Payday Loans Online With Same Day Deposit

Same-day payout refers to cash that can be transmitted or withdrawn on the same day since it’s deposited directly into the loan applicant’s bank account. Most customer deposits are not same-day cash, and users have to be patient for one to two business days to get the money.

According to the Federal Reserve’s Regulation CC, banks have to communicate the availability of the cash and any restrictions to their client. The borrower can access their funds on the first business day after the banking day of deposit through deposits like cash deposits, wire transfers, direct deposits, and government checks.

Online Payday Loans With No Employment Verification

A no employment verification loan is a quick short-term and unsecured loan, typically provided by the microfinance companies where applicants don’t have to be employed to qualify for the loans. The qualification of these loans is based on the applicant’s previous income and employment record. The policies on payday loans vary with the loaning institutions. To curb loan-sharking, most regulators limit the yearly interest rate imposed by lenders.

Easy Approval Payday Loans in South Africa

Easy approval short-term loans are meant to be paid back within a short period—mostly on your next paycheck. These loans are readily accessible to borrowers since lenders don’t conduct a credit check on their users. However, they have some significant disadvantages to their users. For instance, some come with annual percentage rates (APR) as high as 400%.

The easiest method to get your loan fast is getting an easy approval loan famous for quick approval and financing. Alternatives for borrowing cash quickly include withdrawing from a home equity line of credit, credit card cash advance, or borrowing from family and friends.

Payday Loans With Online Banking South Africa

Online banking enables users to manage their funds from the comfort of their computer, provided that they have an internet connection. They often use smartphones, which provide transfers, paying bills, and ATM fee reimbursement at times. This method features online checking accounts, which provide ready access to your money.

Payday Loans Online Unemployed

This is a short-term loan where lending firms provide high-interest rate loans depending on the borrower’s monthly salary. Its repayment concept is usually a percentage of your following paycheck.

An unemployment loan can hurt your finances with high-interest rates, making personal loans a more appealing alternative to assist you in remaining afloat. Loans for unemployed persons are also available, but one has to prove to the institutions that they have an option and reliable source of income—lenders are keen on credit records here.

Advantages and Disadvantages of Payday Loans Onlihne


1. Easily Accessible 

Easy accessibility is the top advantage of using payday when in need of quick cash. The majority of check advance loan providers guarantee the availability of the money within 24 hours and instant lending feedback. Moreover, some lenders’ online loan application services are always accessible—24 hours a day, seven days a week.

Unlike traditional loans, whose application process takes a lot of time, these applications take just a few minutes—less than five minutes.

2. Fewer Requirements 

Most individuals in urgent need of quick cash prefer payday loans as they’re reputable for their lenient approval criteria. Moreover, borrowers with poor credit records are welcome to apply for payday loans despite not meeting the eligibility thresholds in traditional financing systems like banks and other high street organizations.

3. An Unsecured Loan

Payday loans issue unsecured loans, unlike traditional loans that require personal properties as loan security. Therefore, if you default on a payday loan, you’ll not lose your property.

However, these institutions often require access to your bank account as a condition of the loan. They automatically draw the agreed amount from your account when the loan repayment is due. But if your bank account has no funds, they can send debt collectors over your place or even sue you.

4. Bad Credit Borrowers Are Welcome

As mentioned before, payday loans are also accessible to individuals with lousy debt records. This is because they’re more interested in whether the borrower is currently capable of paying back the loan and not about their credit history.

5. 14-Day Cooling Period 

Payday loans come with a 14-day cooling-off time, just like all loaning under the Consumer Credit Act 1974. This implies that you’re able to cancel the contract within 14 days if you reconsider your decision.

If you cancel a payday loan, you will need to repay the loan amount and any interest accrued, but the lender will have to refund you for any charges or fees you’ve paid.


1. They Are Expensive

First off, payday loans often come with high-interest rates. For example, some lenders impose as high as 1,500% APR, resulting in borrowing fees drastically shooting up borrowing fees. Alternatively, you can explore other loan alternatives with reasonable prices which will not lead you into debt cycles.

2. Can Be Predatory 

Some people perceive payday loans as predatory since they target people with poor credit scores and low incomes. Furthermore, payday institutions have earned a reputation for vigorously pursuing defaulted loans over the years, even though other lenders also deal in such scenarios. Although today the loaning industry is more regulated than before, it’s still essential to scale out your alternatives before applying for a loan.

3. You Can Get Into a Cycle of Debt 

Not paying back your loan on time could lead you into a debt cycle. This is a situation where you’re forced to take out a loan to clear off another. And because payday loans come with exceedingly high rates, you may soon find yourself in the debt trap.

How to Get Payday Loans

Below is a step-by-step process of how you can get a payday loan from Lime Credit:

Step 1: Visit Lime Credit 

The first step is to visit The layout of the website is simple. Click the “Apply Now” button on the right side of the screen to initiate the application.

Step 2: Complete The Application Form 

Complete the online form with your details, such as name, monthly salary, and expected expenses.

Step 3: Get Your Decision 

When you’ve completed the form, wait for approval—approval takes about two minutes. If your application is declined, we will still notify you.

Step 4: Receive Your Loan 

If your request is accepted, you will be requested to sign a loan agreement. Ensure you’ve understood the loan agreement’s terms and conditions before signing. We will directly transfer cash into your account within 24 hours of submitting the signed loan agreement.

Conclusion – Best Place to Get a Payday Loan

We often find ourselves cash-strapped, and payday can help you manage unexpected expenses during such financial situations. Lime Credit is our top-ranked payday loan platform that allows you to apply for loans amounting to up to 50,000 in just a matter of minutes. To initiate the process, simply visit their website and complete the online loan application form.

Request Your Payday Loan Online at Lime Credit


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About Denzil Otieno PRO INVESTOR

A procurement graduate. Young business owner. A smart business investor.

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