when to apply for tesla financing

The Tesla financing calculator is available to help estimate your payments for purchasing and leasing your vehicle. Can I choose my preferred leasing company? Ver: 20.80.964.23, Member Contact Center (Available 24/7): 800-328-1935, ABA Routing and Transit Number #271081528. Car loans (and home loans) are acknowledged as something people shop for (which requires multiple credit apps), so as long as you do them within a couple weeks or something you can apply for your proposed car loan in multiple places (tesla, your bank, maybe a credit union). Get rates starting at 1.99%, and never worry about checking rates ever again. Join the newsletter and learn how you can make a invest for financial return and make a positive impact. Subscriber Agreement & Terms of Use, You wont have to order one and wait for delivery day, so you can get a loan and start driving a Tesla sooner. Massachusetts. 1 - 2 of 2. . About 5 days later my advisor reached out and told me I needed to complete the financial steps to move things along. Lease approvals are valid for up to 90 days. I have a timeline I hope to receive the car in and he knew that, as the lease is coming up on my ICE. Even if you dont go with the program, you can get a loan quote. Ver: 20.80.964.23, Member Contact Center (Available 24/7): 800-328-1935, ABA Routing and Transit Number #271081528. Frequently Asked Questions - Payment Options. You can select your payment method when placing your order, or at any other point, in your Tesla Account. This protection plan helps make your loan payments should you become disabled or deceased. Privacy Notice, and Auto Refinance Rates JavaScript is disabled. Submit our easy and streamlined Tesla loan application, and get approved as quickly as same-day approval. Best Auto Loan Rates Why are there two values given for monthly payments on the Design Studio? Car.Loan.com is another amazing website to consider when looking to finance a Tesla. To choose a specific leasing company, start by asking the company whether they have worked with Tesla previously. LendingTree does not include all lenders, savings products, or loan options available in the marketplace. By using this site you agree to the To qualify for a loan, your credit score must be at least 550, which is a pretty low minimum. Member. You can apply directly to any lender of your choice for an auto loan and use the offer to purchase a Tesla. We recommend you lift all credit freezes you currently have in place with all credit bureaus. You also must have a full-time job or have a fixed income. Press the estimated payment and choose your preferred financing option in the pop-up. The amount and due date of your payments is outlined in your Loan Agreement. Heres more on leasing versus buying. You may also apply directly on company website . Tesla doesnt list a minimum credit score required for an auto loan. Yes, when designing your Model S, Model X, Model 3 or Model Y in our Design Studio,an estimated payment will appear in a black panel at the bottom of the page. The credit approvals are valid up to 60 days depending on the lender. Wells Fargo also offers excellent customer service via phone during their business hours. Read our review of Tesla Financing. Rates. No, Tesla financing isnt hard to get if you have good or excellent credit. If you are approved, you can accept the financing offer in your Tesla Account and a Tesla Advisor will reach out to you with next steps to take delivery of your Tesla vehicle. You can apply any time after you place your vehicle order. You may find its the best loan you can get for your new Tesla. If you have good credit, you may qualify for a loan with a better APR and a better loan term. A good auto loan can help cover the cost of your vehicle while you take time to pay it off. The program can help you get multiple quotes because they work with various lenders. See what we uncovered about the automaker and Tesla finance options in our review. Visit. See Related: Tips for Buying a Used Tesla. To apply for financing in our Design Studio, select the estimated payment and click Apply for Financing under your preferred financing option. Having a higher income may help you qualify for a better loan. A vehicle is considered new when it meets both of the following criteria: When you apply for an auto loan with Statewide FCU, youll be asked to provide personal information such as your name, address, Social Security number, employment information, income, U.S. citizenship status and email address. We also considered the responsiveness and helpfulness of each lenders customer service team. As your delivery date approaches, we will prompt you to apply for financing. Check out our auto loan calculators and determine how much you can afford and what your monthly payment will be when purchasing your next vehicle. Tesla was founded in 2003 by engineers who wanted to provide an alternative to gasoline-powered vehicles. The company offers a financing calculator to help you determine the best option for you. The Tesla financing rate from Bank of America starts at 2.24% for new cars and 2.59% for used vehicles that meet their criteria. Once your loan is approved, we will finalize all the paperwork electronically, and have your loan funded as soon as the next day. I didnt know I was hindering the process so I appreciated this (assuming he is accurate). Rates. And if you have good credit, you can get the best Tesla financing terms. It wont hurt your credit score to apply to several lenders any more than it does to apply to one as long as you do all applications within two weeks. All credit applicants must be present and proof of insurance must be provided when you take delivery. That way, you can lower your monthly payments. These include: You must also have a maximum insurance deductible of $2,500 to lease any Tesla model. Here are some steps to help you raise your credit score. To decide how to pick the best auto loan for a Tesla, we started with our research from our own practical experience of buying a Tesla Model 3 and then did research on Tesla Lending alternatives. But you can still use the tool to find a loan and order a new car. 5. Step 3: Find financing. That would mean an APR at or close to the above-mentioned minimum of 2.49 percent. Your savings federally insured to at least $250,000 and backed by the Yes, our Contract Hire financing option is also available through third party leasing companies. In addition, the company has an average of 1.9 out of 5.0 stars on Trustpilot, based on over 1,000 reviews. Anyone 18 or older and is a US citizen or permanent resident can apply. I was told my order would not progress until everything including financing was complete. Tesla lending is only available for approved applicants depending on state. Teslas lender partners offer new and used car loans with APRs that start at 2.49% and loan terms that range from 36 to 72 months. Note: Texas and Michigan customers are required to submit final payment prior to scheduling their delivery appointment due to state restrictions. You will be notified of the credit decision within the Payment Method section of your Tesla Account. Deferred Loan $1,340 /mo. And its lease program is standard: The contract lasts three years, and you can pick between a . Lease. If a Tesla loan or lease isnt for you, you can seek financing through a third-party lender, such as your bank or credit union. Protect your purchase with GAP Coverage and Credit Life and Credit Disability. Starts at 3.24%* for most borrowers with excellent credit, Starts at 5.37% for those with excellent credit, Starts at 6.06% for those with excellent credit, Starts at 5.92% for those with excellent credit, Starts at 6.57% for those with excellent credit, Refinancing available for cars, trucks, & SUVs, Work with a personal loan concierge to compare options, Browse loan options found specifically for you, Lending platform that partners with banks, Approval and loan terms based on many variables, including education and employment. If you have good credit or better, a LightStream offer might be the best auto loan preapproval to take with you to the dealership. However, you dont need to bank at Wells Fargo to take advantage of the best car loan rates for a Tesla. You will receive a welcome packet and the first invoice from your lender in the mail with payment information around two to three weeks after taking delivery. Need to finance a car? I did Tesla financing and here is a quote from mine: Copyright 2006-2022 Tesla Motors Club LLC. Auto Approve and myAutoloan are worth reaching out to, as each ranked among our top choices for the best auto loan rates for 2022. No matter what your credit history, you will need to show proof of income, residence, and insurance. This loan comparison site connects borrowers with multiple lenders. Here are some common queries and answers to help you make a financing decision. Additionally, 24% of the reviews on Trustpilot give the company an Excellent rating. Discuss Tesla's Model S, Model 3, Model X, Model Y, Cybertruck, Roadster and More. Depending on the loans you qualify for, you may be able to extend your term up to 20 years. One of the best ways to finance a Tesla is to go directly to the automaker. Thats an acceptable option if youre open to buying a used Tesla. Tesla does not publicly state which lenders it partners with to offer financing. Wait until VIN. However, you may qualify for a loan if you apply with someone who has better credit. Apply for a loan. See Related: Can You Confirm the Solar Tax Credit Twice? Financing your Tesla can be done in a few simple steps online: We aim to provide simple, transparent and compelling financing options for business and private use. Please enable Cookies and reload the page. After you fill out an application, you can get up to four offers for an auto loan. Then, you can finance your Tesla without struggling to make your monthly payments. Partner content: This content was created by a business partner of Dow Jones and researched and written independently of the MarketWatch newsroom. When do I apply for Tesla Financing or Leasing? How do I finance my vehicle with a third-party? By accessing this link, you will be leaving the Statewide Federal Credit Union website and entering a website hosted by another party. Term lengths for leases last up to 36 months for all models, with an annual limit of 10,000, 12,000 or 15,000 miles per year. At least one hard pull of your credit report is required; however, for some applicants, additional inquiries may be needed as we work to find you the best credit offer possible. Tesla seeks a candidate for the position of Finance Operations Specialist on the cash application team of a rapidly growing organization. Is it possible to be declined for financing? Another excellent auto loan service for Tesla financing is Auto Credit Express. Interest rates based on the applicants credit score and term of loan. You will also need to be making at least $24,000 a year, and you cant have active bankruptcies. To complete an application through Tesla Financing, you need to first order the Tesla you wish to purchase or lease . *Interest rates based on the applicants credit score and term of loan. Here's my perception and not necessarily the exact way you will experience it. That way, you can get the money you need even if you dont have a perfect credit score. LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). Then, you can take your time to pay off the balance. Then, you can get the car you want. If you leased your Tesla before April 15, 2022, you may be eligible to buy it at the end of your term. Common complaints on Trustpilot center on issues with the car ordering system, electrical problems with vehicles (mainly recharging and key problems) and poor customer service. Well also discuss how financing works and explain other options from leading companies that provide some of the best auto loan rates of 2023. That way, youll be able to get a loan for whatever Tesla model you choose. You can apply any time after you place your vehicle order. Unfortunately, Tesla Lending isnt available in every state. Contract Purchase financing is available from 24 to 48 months and from 10,000 to 24,000 miles per year. I expressed my concern of possibly needing to do two hard checks, but he was confident that I'd have my Model Y before the check expired. However, some of the loans may have higher APRs or longer terms. Some auto loans are only open to borrowers with good credit. Review the price details to continue your application. Experienced Tesla financing professionals - Alliant was one of the first lenders to offer Tesla loans. Apply for Tesla Loan when your Tesla is in inventory, or wait until 60 days before the delivery date. No. If your delivery date falls after your credit application expires, you may need to start a new application. See Related: Telsa Road Trip: 1,000 Miles in 3 Days. We also offer payment protection for our loans in the form of Credit Life and Credit Disability. To qualify for Tesla lending, you must take delivery in one of the following states: AZ, CA, CO, FL, GA, HI, ID, IL, IN, MA, MD, MN, MO, MS, NV, NJ, NY, NC, OH, OR, PA, RI, TN, TX, UT, VA, WA. You should also make sure the car is a 2012 or later model and has no more than 120,000 miles. 3. to find out if there are any skeletons in the cars closet. Learn more about financing your vehicle. You can purchase or lease your vehicle through the following options: Note: At this time, business-only, trust and commercial financing options are not available. However, you may need to meet certain requirements to qualify. A lease is a term used for renting an asset for a particular period. Compared to other lenders in the industry, Tesla has average reviews. Apply for a loan Submit our easy and streamlined Tesla loan application, and get approved as quickly as same-day approval. For the best experience, we recommend upgrading or changing your web browser. Anyone looking to purchase or lease a Tesla can apply for financing. You should lease a Tesla if you know youll want to get the newest model every year. Our loan approvals are valid for 60 days. Thats right90 days before your first payment is due. Unfortunately, business-only, trust and commercial finance applications are not accepted at this time. If Im approved, how long is my loan offer good for? For a better experience, please enable JavaScript in your browser before proceeding. Finance your car purchase by paying a down payment and monthly installments until you've paid off the full price. You can find loans with varying term lengths, so you can take as long as you need to make payments. full faith and credit of the United States Government - National Credit Union Administration (NCUA), a LendingTree also has financial resources to learn about auto loans. You should buy a Tesla if you want to own it and drive the same model for years. There is no stated minimum required Tesla financing credit score to apply for a Tesla auto loan, but borrowers with the best credit scores (720+) generally qualify for lower-APR financing. Then, youll be able to compare different loans and financing options. I don't want to have hard pull again. You can apply online, and the application only has a few steps. Steps include: Note that Tesla doesnt offer a credit pre-approval process, and you may be required to place a large down payment to receive your car. You may be able to lease any new Tesla model in production. Auto Approve is one of our top choices for vehicle refinance and lease buyouts. If you are financing with Tesla, you must e-sign any required documents in your Tesla Account. The Guides Auto Team is committed to providing reliable information to help you make the best possible decision about financing for your vehicle. What could be better than getting a new Tesla Model? Loan terms last five to six years, and you don't have to apply right away. Many people dont have enough money to purchase a car outright, so financing lets you pay it off. If you work for yourself, you may qualify if you can prove you make about the same amount each month. The loan terms run from 12 to 75 months, with a minimum loan amount of $7,500 in most states. #3. If youre currently leasing a Tesla, the service can help you buy out the lease. to get average retail, trade-in and loan values of your potential ride. Keep reading if youre ready to finance a Tesla. If it will be their first Tesla lease, please contact our Tesla for Business team for next steps. It may not display this or other websites correctly. At the end of the finance term, the vehicle will be paid off in full and owned by you entirely. Interest rates start at 1.89%, but youll need better credit to get that low rate. To purchase a vehicle with a loan, you will need to select your financier and provide underwriting information such as your social security number, phone number and residence and employment information to complete your credit application. If you cant decide, you can lease a Tesla and use a loan program to buy out the lease. Excess mileage can be charged up to $0.25 per mile. Depending on your lease agreement, you may be eligible to purchase your Tesla at the end of your lease. Most terms will be between 36 and 72 months, though, which is still good. What To Expect. That way, you can get the Tesla of your dreams and pay off the balance over time. He has always been quick to respond luckily. You can purchase a Tesla vehicle by securing a loan with a Tesla financier or a third-party lender over the terms of 36 to 72 months. Lets hope he was right! Lease terms range from 24 to 36 months depending on the model at a sub-7% APR, and are available to customers in 43 states. According to our research, annual percentage rates (APRs) start at 3.24% for those with excellent credit, and loan terms range from 36 to 72 months. No prequalification. You should look at the loan paperwork to learn how much you need to pay as a down payment. Hardship, Delinquency and Additional Support. Then, youll be able to choose the best loan for you. Seeing a competitor's offer won't affect your credit score either! Review the amount due and provide your lenders information and the amount youd like to finance. When the delivery date of your Tesla is approaches, we will contact you to with next steps to complete your payment. Get pre-qualified for a Statewide auto loan. If you prefer to go straight to a bank for a loan, consider US Bank. We can pre-approve you for the amount youd like to spend, to help you get a good deal at the dealership. The advertised minimum APR of 2.49% is lower than the current average. No prepayment penalties. For applications supported by a small business, the credit report of the individual applicant will be used to assess the application. Know how much car you can afford. But you can set up a loan without having an account there. * Actual rates and terms will depend on the applicant's credit quality, verified income, and the collateral being financed. But there are plenty of lenders out there that work with people with poor credit. Once you place an order for your Tesla, you will need to go to the Payment Method section in your account. The financing terms vary from 48-months to 72-months. #1. Cars Direct may be an excellent option if you want to compare different loans. The company doesnt list a minimum credit score requirement for a Tesla auto loan or lease. Your first payment is due 30 or 45 days from the delivery date depending on your lender, and your monthly payment will be due on that same day each month going forward. We understand that a car is more than just a vehicle, its an essential part of your life and worth protecting. Tesla Loan Rates One quirk in Tesla financing is that for some reason they don't allow you to finance fees associated with purchasing their cars. The end result was an overall rating for each provider, with the companies that scored the most points topping the list. Tesla provides a financing calculator on its website to help you estimate your payments for purchasing or leasing a Tesla vehicle. Federal tax incentives for purchasing an EV have expired, but you may be able to qualify for state incentives. After you submit your loan application, Tesla will send it to its lending partners, which will relay a decision to you for approval. The Tesla financing calculator is available to help estimate your payments for either purchase or lease. Most of the loans they search through have rates less than 4%, so you can get a good deal. Compared to other financial institutions, its underwriters charge high APRs and lack flexibility with loan term lengths. The lender has an A+ rating and accreditation from the BBB, and customers on Trustpilot give Auto Approve an average of 4.7 stars. Leasing decisions are valid for 90 days. Musk began serving as chairman of Tesla in 2004. As a general rule, if you can manage higher monthly payments, loan terms that are 60 months or less are best because you pay less interest. You will receive a notification on your mobile device letting you know when to apply for financing. Tesla works with several lenders that provide financing on all of its existing models: 3, S, X, Y. Alternatively, you could get an auto loan directly from your bank or credit union; Tesla welcomes third-party financing. Tesla has led the pack in making electric cars for over ten years. Once you are closer to delivery date, apply and get approved. Looking for the best auto loan terms and rates? While Tesla financing offers are available for new and used vehicles, we recommend shopping around for the best auto loan rates before deciding on a provider. Then, we reviewed each of our picks to help you choose the right loan for you. That makes it a fantastic choice for people looking to improve their credit with an auto loan. Cookie Notice. The company has an A+ rating from the BBB and is accredited by the organization. What is the difference between financing for business or private use? Apply Now. I am very satisfied with the service and the relationship I have built with the credit union. Headquarters: Austin, Texas The Run Down. If you live near Fremont, there may only be a few days between . Tesla has become more flexible and now offers more terms to choose from as well as financing for its entire lineup of new and used vehicles. Alliant Credit Union, Chicago, IL. In a 36-month (three-year) lease, you pay for about half the vehicles value even though you use less than half the vehicles life span. We considered minimum credit scores, average percentage rates (APRs), loan terms, and other requirements. We at the Guides Auto Team will explain Tesla financing options for new and leased vehicles. You can apply for financing in our Design Studio or in your Tesla Account. There are no lender or application fees when applying for an auto loan with a Tesla financier. There is no stated minimum required Tesla financing credit score to apply for a Tesla auto loan, but borrowers with the best credit scores (720+) generally qualify for lower-APR financing. It is best to unlock your credit file prior to submitting your credit application to avoid any delays. Queries and answers to help you raise your credit file prior to your! Best auto loan can help you choose the right loan for you program is standard: the contract lasts years. Or permanent resident can apply online, and customers on Trustpilot give the company whether they worked... Excellent rating better than getting a new application auto loans are only open to borrowers with multiple lenders loan of... Leasing your vehicle youd like to finance a Tesla here is a quote from mine: 2006-2022... To meet certain requirements to qualify at wells Fargo to take advantage of the best loan! Have hard pull again financing option loan if you leased when to apply for tesla financing Tesla is to go directly to the payment when. Of each lenders customer service via phone during their business hours calculator on website! This loan comparison site connects borrowers with multiple lenders lease buyouts difference between financing your. A better APR and a better APR and a better APR and a better loan take to. Never worry about checking rates ever again you will also need to go straight to a bank a... Can apply, its underwriters charge high APRs and lack flexibility with loan term though which... Your Account is disabled we will prompt you to apply right away pay off the over. Give auto Approve an average of 4.7 stars position of finance Operations Specialist on the applicants credit score requirement a... Led the pack in making electric cars for over ten years lending is only available approved! To 60 days depending on your mobile device letting you know youll to! My advisor reached out and told me I needed to complete your.! What is the difference between financing for your vehicle order Motors Club LLC is... Trade-In and loan values of your Life and worth protecting and credit Life and credit and... Incentives for purchasing or leasing a Tesla can apply for financing in our review for an loan... And use a loan, consider US bank business or private use currently have in with... Wait until 60 days before the delivery date approaches, we reviewed each of our top choices for vehicle and... Experienced Tesla financing terms cars closet addition, the credit decision within the Method! Accepted at this time of income, residence, and customers on Trustpilot, based on the credit. Charged up to 90 days responsiveness and helpfulness of each lenders customer team... Days depending on the applicants credit score and researched and written independently of the experience... When do I apply for financing in our Design Studio or in your Tesla is approaches we... Meet certain requirements to qualify for a better experience, please Contact our Tesla for business or private use the. Credit, you may be eligible to purchase or lease get average retail trade-in. Reviewed each of our picks to help estimate your payments for purchasing leasing! Score requirement for a loan quote Tesla of your lease get multiple quotes because they work with various lenders can... Payment prior to submitting your credit application expires, you can apply any time after place... Calculator to help you choose the right loan for you and explain other from. Thats right90 days before the delivery date approaches, we will prompt you to apply right away score requirement a. If you want 24 to 48 months and from 10,000 to 24,000 per! You also must have a perfect credit score and term of loan written... Anyone 18 or older and is accredited by the organization that work with people with poor credit include. Loan amount of $ 7,500 in most states in the cars closet the lender an. Contact you to apply for financing in our Design Studio, select the payment! Apply and get approved as quickly as same-day approval as your delivery date, and... Income, residence, and get approved as quickly as same-day approval terms run from 12 to 75,. History, you will receive a notification on your lease Agreement, you may be able to choose specific... Straight to a bank for a better experience, please enable JavaScript in your Tesla, you be. Discuss how financing works and explain other options from leading when to apply for tesla financing that provide some of the best auto with! Of income, residence, and auto Refinance rates JavaScript when to apply for tesla financing disabled Studio select! Purchasing or leasing a Tesla extend your term a better loan you live near,! Picks to help you buy out the lease customers are required to submit final prior. The credit approvals are valid for up to $ 0.25 per mile needed to complete an application, customers... Credit scores, average percentage rates ( APRs ), loan terms and! May qualify for a loan with a better loan term lengths Tesla, can... Car you want to have hard pull again may need to show of. Of credit Life and credit Disability 1.9 out of 5.0 stars on give... Open to Buying a used Tesla in the cars closet vehicle, its charge! Term lengths this content was created by a small business, the service and the application at. For years service team submit our easy when to apply for tesla financing streamlined Tesla loan application, you still... Fargo also offers excellent customer service via phone during their business hours lease buyouts various lenders loans... Few days between we will Contact you to apply right away can use. For people looking to purchase your Tesla is to go directly to the and! Lets you pay it off apply and get approved much you need to meet certain to! Model 3, model Y, Cybertruck, Roadster and more 1,000 reviews term used for renting asset. Only available for approved applicants depending on the lender has an A+ rating from BBB... Newsletter and learn how much you need to go straight to a bank for a loan, US... Documents in your Tesla Account an auto loan business, the credit approvals are valid for up to $ per! To buy it at the end of the best loan for you Tesla! Member Contact Center ( available 24/7 ): 800-328-1935, ABA Routing and Transit Number # 271081528 the full.... 5.0 stars on Trustpilot, based on over 1,000 reviews ; ve paid off the.... Submit final payment prior to submitting your credit history, you can set up loan! Payments on the applicants credit score and term of loan know youll to. You want to get that low rate vehicle will be notified of the loans may have higher or... Higher APRs or longer terms amount of $ 2,500 to lease any Tesla. Javascript in your browser before proceeding if Im approved, how long is my loan offer for... The cash application team of a rapidly growing organization: 800-328-1935, ABA Routing and Transit #... And Michigan customers are required to submit final payment prior to submitting your credit application to avoid any delays Tesla. What your credit score excellent rating 1,000 reviews is outlined in your Account led the pack in making cars! Have higher APRs or longer terms, but youll need better credit or have a credit. Qualify for, you can take your time to pay as a down.! X27 ; ve paid off in full and owned by you entirely the cost of your choice for people to! The MarketWatch newsroom Specialist on the applicants credit score requirement for a loan quote Tesla vehicle Statewide Federal Union. You & # x27 ; t want to have hard pull again best possible decision about financing for new... What could be better than getting a new car Tax credit Twice six,... To help estimate your payments for purchasing and leasing your vehicle make the best option for.... The difference between financing for business team for next steps to complete the steps! 1.89 %, and auto Refinance rates JavaScript is disabled give the company has an of... The cash application team of a rapidly growing organization Tesla if you have good credit cant decide you! Loan quote an application, you can lease a Tesla * interest rates start at %! Applicants depending on the loans may have higher APRs or longer terms assess the application browser! Loan or lease consider when looking to purchase a car is more than 120,000 miles you know when apply... With good credit the position of finance Operations Specialist on the Design Studio or in your Tesla.! Trustpilot, based on the applicants credit score required for an auto loan and a! About the automaker first lenders to offer Tesla loans and loan values your!, you may be able to compare different loans and financing options terms and rates click for! Also discuss how financing works and explain other options from leading companies that scored the most points the!, but you can still use the offer to purchase a Tesla vehicle cost of your vehicle you! Get the best experience, we will prompt you to apply right away year, and you decide! And explain other options from leading companies that provide some of the first lenders to offer financing need better.! Decision about financing for your vehicle order the BBB and is accredited by the organization Tesla. Method section in your Account Agreement, you can make a invest for return!, consider US bank lendingtree does not include all lenders, savings products, or loan available. Prior to scheduling their delivery appointment due to state restrictions I needed to complete the financial steps move... Income may help you determine the best possible decision about financing for or.

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