First loan · 0% APR

Interest-free loans online

Looking for a first loan without interest or commission? Compare offers with 0% APR and choose an amount and repayment date that fit your budget. Check available limits, cost information and repayment terms in one place. Open a card to read the detailed description, then visit the provider to see the offer available for your application.

A free first loan can cover a planned expense if you have the funds to repay it on time. Compare more than the maximum amount: one promotion may cover a range of amounts, while another may start at a specific threshold. Check who qualifies as a new customer, when the offer ends and whether the application channel affects eligibility.

A promotion may have additional conditions, including repayment on time. A 0% interest rate alone does not mean there are no fees: check the APR, commission and total amount repayable in the documents provided before signing. Distinguish the loan cost from optional services and do not assume a repeat loan will have the same price.

Minimum loan amount:

PLN 500

First loan: 6000 PLN
Subsequent loan: —
APR (RRSO): From 0%
Extension: Depending on the contract

Information and application 4,77 / 5 (66 ratings)

Choose a first Wonga loan without interest or commission: up to 6000 PLN for 61 days, with 0% APR under the promotion terms. If you meet those conditions, you repay only the amount borrowed. Match the amount to your expense and plan repayment for the contractual deadline. The welcome offer is for new customers; repeat loans and instalment products have separate terms and costs. Read the details before applying.

Basic information

First loan

Amount:: up to PLN 6,000
Interest:: 0%
APR (RRSO):: 0%

More loans

Amount:: —
Interest:: 14,5%¹
APR (RRSO):: 296,64%¹

Requirements

ID card
telephone
bank account
age from 18 years.

Working hours

Mon-Fri 8 a.m.–8 p.m
Sat. 9 a.m.–5 p.m

Contact

Email: kontakt@wonga.pl
Telephone: +48 22 388 88 88
Wonga.pl sp. z o. o., ul. Żaryna 2B, building D, 02-593 Warsaw

¹ Another payday loan: 1000 PLN for 30 days, variable interest rate 14,5% per annum, APR 296,64%, cost 119,91 PLN; example with 01.06.2026. Installments are a separate product: 6000 PLN for 42 months, APR 73,69%, cost 4407,83 PLN (15.10.2026).

Example costs

Example costs of the first loan without interest

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 1,000	61 days	0 PLN	PLN 1,000	0%

First loan: example with 04.03.2026.

Sample costs of a standard offer

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 1,000	30 days	PLN 119.91	PLN 1,119.91	296,64%
PLN 6,000	42 months	4 407,83 PLN	10 407,83 PLN	73,69%

Another payday loan, 01.06.2026.

Separate Installment Loan, 15.10.2026.

Repayment extension

Installment benefits under the terms of the regulations; among others postponement for 7 days. Please check your contract and customer account for specific terms and conditions.

Consequences of non-repayment

Consequences of failure to repay the loan

An amount not paid on time becomes an overdue debt from the day after the due date. You should not assume that there are two extra days without consequences. The framework agreement provides for the charging of variable interest for delay; their amount results from the provisions of the contract and the current NBP reference rate.

In the agreement, the interest rate for delay was specified as twice the sum of the NBP reference rate and 5.5 percentage points per year. With a variable rate, the amount of interest charged may change over the life of the obligation. Loan-specific information can be found in the disbursement confirmation.

Wonga may contact you regarding arrears by telephone, electronically or by letter and take steps to recover the amount due. If the case goes to court or is subject to enforcement, additional costs of these proceedings may occur. Information about liabilities may be transferred to authorized institutions under the terms specified in the contract. If you have difficulties with repayment, please contact your lender instead of assuming an automatic extension of the deadline.

First loan: 8000 PLN
Subsequent loan: 20000 PLN
APR (RRSO): From 0%
Extension: Refinancing

Information and application 4,70 / 5 (70 ratings)

Looking for an interest-free first loan for 30 or 65 days? Explore the SMART Pożyczka Pixo/LTU promotion for amounts from PLN 2,100, with a first-loan limit of up to 8000 PLN. No interest or commission applies only when the promotion conditions are met, including repayment on time; lower amounts carry costs. Choose the sum you need and check the documents before accepting. A repeat loan or refinancing does not automatically qualify for the promotional price.

Basic information

First loan

Amount:: up to PLN 8,000
Interest:: 0%¹
APR (RRSO):: 0%¹

More loans

Amount:: up to PLN 20,000
Interest:: 14,5%¹
APR (RRSO):: 112,42%¹

Requirements

Age of majority
identification and positive assessment of abilities. Income documents may be needed during the assessment.

Working hours

Mon-Fri 8 a.m.–8 p.m
Sat. 8–18
commercial Sundays 9 a.m.–5 p.m

Contact

Email: info@smartpozyczka.pl
Telephone: 85 871 00 49
Aventus Group - intermediary; Al. 1000-lecia Pani Polskiego 6, 15-111 Białystok

¹ Another loan: calculation 4000 PLN per 65 days, annual interest 14,5%, APR 112,42%, cost 574,32 PLN, repayment 4574,32 PLN (29.10.2026).

Example costs

Example costs of the first loan without interest

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 4,000	65 days	0 PLN	PLN 4,000	0%

First promotional loan; timely repayment required and compliance with the promotion regulations.

Sample costs of a standard offer

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 4,000	65 days	574,32 PLN	4 574,32 PLN	112,42%

Standard Next Loan Calculator, reading 29.10.2026.

Repayment extension

Separate refinancing offer, subject to assessment. Please check your contract and customer account for specific terms and conditions.

Consequences of non-repayment

Consequences of failure to repay the loan

If the loan is not repaid within the prescribed period, the lender may initiate recovery actions. Their rules are specified in the current contract.

Interest may be charged for delay, calculated every day after the agreed repayment date. The LTU tariff indicates variable interest for delay at twice the sum of the NBP reference rate and 5.5 percentage points per year. In the event of further failure to repay the loan, the lender has the right to pursue its receivables with the help of debt collection institutions and further proceedings in court, the costs of which are borne by the borrower.
Smart Pożyczka also has the right to transfer information about the debt to the Debtor Registers, which will reduce the borrower's creditworthiness.

First loan: 5000 PLN
Subsequent loan: 9600 PLN
APR (RRSO): From 0%
Extension: According to the contract

Information and application 4,64 / 5 (69 ratings)

Explore a first Vivigo loan of up to 5000 PLN for 61 days with 0% APR. New customers can borrow without interest or commission when they meet the promotion conditions. Compare the amount you need with your expected income so you can repay on time. Read the details for application and repayment terms. The repeat-loan limit of up to 9600 PLN belongs to a separate paid offer and does not extend the welcome promotion.

Basic information

First loan

Amount:: up to PLN 5,000
Interest:: 0%
APR (RRSO):: 0%

Subsequent loan

Amount:: up to PLN 9,600
Interest:: 14,5%¹
APR (RRSO):: 297,32%¹

Requirements

Identity document, own bank account, telephone and e-mail, and positive creditworthiness assessment. The repayment date is confirmed by documentation and the client's profile.

Working hours

Mon-Fri 8–22
Sat. 8 a.m.–8 p.m
commercial Sundays 10 a.m.–6 p.m

Contact

Email: kontakt@vivigo.pl
Telephone: 660 600 700
Soonly Finance sp. z o. o., ul. Żwirki i Wigury 16c, 02-092 Warszawa

Offer page and contact ↗

¹ First loan Vivigo to 5000 PLN on 61 days: APR 0%. Next: example 6100 PLN for 30 days, fixed annual interest 14,5%, commission 659,72 PLN, interest 72,69 PLN, cost 732,41 PLN, to be repaid 6832,41 PLN (01.10.2026).

Example costs

Example costs of the first loan without interest

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 1,100	61 days	0 PLN	PLN 1,100	0%

First loan Vivigo, 01.10.2026.

Sample costs of a standard offer

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 6,100	30 days	PLN 732.41	PLN 6,832.41	297,32%

Another loan Vivigo, 01.10.2026.

Repayment extension

No automatic extension confirmed. Before the deadline, contact the institution indicated in the contract and ask about available solutions, their price and the new schedule. Without a confirmed change, the current deadline applies.

Consequences of non-repayment

Loss of promotion terms may mean that costs consistent with the contract will be charged. After the deadline, interest for delay, debt collection and possible court proceedings may be claimed. Check whether the rebate requires full, timely repayment; partial payment does not have to keep it.

First loan: 8000 PLN
Subsequent loan: 20000 PLN
APR (RRSO): From 0%
Extension: According to the contract

Information and application 4,63 / 5 (63 ratings)

Explore a first Pożyczka Plus loan without interest or commission within the promotional PLN 2,100–8,000 range for 30 days. A 0% APR requires the promotion to be granted and repayment on time; lower amounts carry costs. The ARENA/TUSUMI terms require starting the application directly on the Pożyczka Plus website, so visiting through this comparison does not guarantee the discount. Confirm a PLN 0 cost and the total repayment in the documents before accepting.

Basic information

First loan

Amount:: up to PLN 8,000
Interest:: 0%
APR (RRSO):: 0%

Subsequent loan

Amount:: up to PLN 20,000
Interest:: 14,5%¹
APR (RRSO):: 297,51%¹

Requirements

Completed 18 years, ID card, personal bill, telephone and e-mail. Registration, data verification and creditworthiness assessment are necessary.

Working hours

Monday - Friday
8:00 - 21:00
Saturday - Sunday
9:00 - 17:00

Contact

Email: info@pozyczkaplus.pl
Telephone: 858710049
Pożyczka Plus
MAŁA POŻYCZKA Sp. z o. o.
uul. Component 12
15-399 Białystok
NIP: 9662029390

Offer page and contact ↗

¹ Another loan: calculation 4000 PLN per 30 days, annual interest 14,5%, APR 297,51%, cost 480,45 PLN, repayment 4480,45 PLN (29.10.2026). The 0% APR promotion includes PLN 2100–8000 and timely repayment. ARENA and TUSUMI regulations require you to start your application directly on the Pożyczka Plus website; do not include starting on other sites.

Example costs

Example costs of the first loan without interest

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 4,000	30 days	0 PLN	PLN 4,000	0%

First promotional loan; timely repayment required and compliance with the promotion regulations.

Sample costs of a standard offer

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 4,000	30 days	480,45 PLN	4 480,45 PLN	297,51%

Standard Next Loan Calculator, reading 29.10.2026.

APR 0% applies to promotional amounts 2100–8000 PLN and timely repayment. Amounts up to PLN 2000 and subsequent loans require comparison of commission, interest and the amount to be refunded in the form. The promotion depends on the lender's decision.

Repayment extension

Consequences of non-repayment

First loan: 7000 PLN
Subsequent loan: 20000 PLN
APR (RRSO): From 0%
Extension: According to the contract

Information and application 4,78 / 5 (58 ratings)

Want to borrow without interest from Finbo? Check the promotional first loan of PLN 7,000 for 30 days with 0% APR, subject to its conditions and repayment on time. The promotion applies to this specific amount; a smaller loan may carry costs. Consider whether PLN 7,000 fits your expense and repayment capacity rather than borrowing more just to get a discount. Read the offer details; repeat loans have separate costs.

Basic information

First loan

Amount:: to 7 000 PLN
Interest:: 0%
APR (RRSO):: 0%

Subsequent loan

Amount:: up to PLN 20,000
Interest:: 14,5%¹
APR (RRSO):: 297,57%¹

Requirements

Age of majority, ID document, own account, telephone number and e-mail address. Positive verification and assessment of repayment capacity required.

Working hours

Monday–Friday 8:00–20:00; Saturday–Sunday 9:00–17:00.

Contact

Email: info@finbo.pl
Telephone: 22 266 81 70
Fincapital Sp. z o. o., ul. Domaniewska 44A, 02-672 Warsaw

Offer page and contact ↗

¹ Annual interest rate and APR of the standard offer: published example 4000 PLN for 30 days. The parameters of a different amount, promotion or individual offer may vary. The 0% promotion applies to separate terms of the first loan 7000 PLN.

Example costs

Example costs of the first loan without interest

Amount	Period	Cost	Total repayment	APR (RRSO)
7 000 PLN	30 days	0 PLN	7 000 PLN	0%

Only a promotion for a new customer with the amount of PLN 7000, a discount and timely repayment.

Sample costs of a standard offer

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 4,000	30 days	480,50 PLN	4 480,50 PLN	297,57%

Standard offer: commission 432,83 PLN and interest 47,67 PLN; annual interest rate 14,5%.

APR 0% does not automatically cover all amounts below PLN 7000. For a standard loan, check the separate cost before accepting the contract.

Repayment extension

Consequences of non-repayment

First loan: 7000 PLN
Subsequent loan: 20000 PLN
APR (RRSO): From 0%
Extension: According to the contract

Information and application 4,70 / 5 (64 ratings)

When comparing interest-free loans, consider the Kuki promotional offer: a first PLN 7,000 loan for 30 days with 0% APR, provided you meet the terms and repay on time. A lower amount does not automatically mean a free loan. Before choosing, check whether you can repay in full on the due date and confirm zero commission and interest in your offer documents. Read the Kuki description for the promotion terms and how repeat loans differ.

Basic information

First loan

Amount:: to 7 000 PLN
Interest:: 0%
APR (RRSO):: 0%

Subsequent loan

Amount:: up to PLN 20,000
Interest:: 14,5%¹
APR (RRSO):: 297,57%¹

Requirements

Age of majority, ID document, own account, telephone number and e-mail address. Positive verification and assessment of repayment capacity required.

Working hours

Monday–Friday 8:00–20:00; Saturday–Sunday 9:00–17:00.

Contact

Email: info@kuki.pl
Telephone: 22 349 94 10
Fincapital Sp. z o. o., ul. Domaniewska 44A, 02-672 Warsaw

Offer page and contact ↗

Example costs

Example costs of the first loan without interest

Amount	Period	Cost	Total repayment	APR (RRSO)
7 000 PLN	30 days	0 PLN	7 000 PLN	0%

Only a promotion for a new customer with the amount of PLN 7000, a discount and timely repayment.

Sample costs of a standard offer

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 4,000	30 days	480,50 PLN	4 480,50 PLN	297,57%

Standard example published. The 0% promotion applies to separate terms of the first loan 7000 PLN.

APR 0% does not automatically cover all amounts below PLN 7000. For a standard loan, check the separate cost before accepting the contract.

Repayment extension

Consequences of non-repayment

First loan: 7000 PLN
Subsequent loan: 20000 PLN
APR (RRSO): From 0%
Extension: According to the contract

Information and application 4,72 / 5 (72 ratings)

With Oros, explore a promotional first loan of PLN 7,000 for 30 days without interest or commission, with 0% APR under the promotion terms. The specific amount and repayment on time matter: smaller loans may carry costs. Plan to repay the full sum and check the documents before confirming your application. Read the detailed description to compare the promotion with the standard terms for other borrowing.

Basic information

First loan

Amount:: to 7 000 PLN
Interest:: 0%
APR (RRSO):: 0%

Subsequent loan

Amount:: up to PLN 20,000
Interest:: 14,5%¹
APR (RRSO):: 297,57%¹

Requirements

Age 18–78 years, Polish citizenship and residence in Poland, identity document, own account, telephone number and positive assessment of the application.

Working hours

Monday–Friday 8:00–20:00; Saturday–Sunday 9:00–17:00.

Contact

Email: info@oros.pl
Telephone: 22 153 00 01
Fincapital Sp. z o. o., ul. Domaniewska 44A, 02-672 Warsaw

Offer page and contact ↗

Example costs

Example costs of the first loan without interest

Amount	Period	Cost	Total repayment	APR (RRSO)
7 000 PLN	30 days	0 PLN	7 000 PLN	0%

Only a promotion for a new customer with the amount of PLN 7000, a discount and timely repayment.

Sample costs of a standard offer

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 4,000	30 days	480,50 PLN	4 480,50 PLN	297,57%

Standard example published. The 0% promotion applies to separate terms of the first loan 7000 PLN.

APR 0% does not automatically cover all amounts below PLN 7000. For a standard loan, check the separate cost before accepting the contract.

Repayment extension

Consequences of non-repayment

First loan: 5000 PLN
Subsequent loan: 9000 PLN
APR (RRSO): From 0%
Extension: According to the contract

Information and application 4,66 / 5 (73 ratings)

Explore an InstaFin first loan without interest or commission: the 0% APR promotion covers PLN 1,100–5,000 for 30 days and requires repayment on time. Choose an amount within the promotional range, then confirm the total cost in the agreement documents. The optional Chroń PESEL package has a separate charge, so do not treat it as part of the free loan benefit. Read the offer description for application and repayment details.

Basic information

First loan

Amount:: up to PLN 5,000
Interest:: 0%
APR (RRSO):: 0%

Subsequent loan

Amount:: to 9 000 PLN
Interest:: 14,5%¹
APR (RRSO):: 297,54%¹

Requirements

Identity document, own account, telephone, e-mail and positive creditworthiness assessment. The website accepts a passport with a permanent residence card.

Working hours

Monday–Friday 8:00–17:00.

Contact

Email: info@instafin.pl
Telephone: +48 888 800 086
InstaFin Sp. z o. o., al. Niepodległości 69, 02-626 Warsaw

Offer page and contact ↗

¹ Annual interest rate and APR of the standard offer: published example 1000 PLN on 30 days, status on 05.03.2026. The parameters of a different amount, promotion or individual offer may vary. The standard example should not be confused with a promotion or loss of discount after a delay.

Example costs

Example costs of the first loan without interest

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 5,000	30 days	0 PLN	PLN 5,000	0%

Example of a promotion from 21.05.2026; timely repayment; without the optional Chroń PESEL package for 100 PLN.

Sample costs of a standard offer

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 1,000	30 days	120,12 PLN	1 120,12 PLN	297,54%

Standard example from 05.03.2026: commission 108,21 PLN and interest 11,91 PLN; interest rate 14,5% per annum.

Repayment extension

Consequences of non-repayment

First loan: 3000 PLN
Subsequent loan: 7000 PLN
APR (RRSO): From 0%
Extension: According to the contract

Information and application 4,71 / 5 (51 ratings)

Need a smaller interest-free first loan? With Miloan, explore up to 3000 PLN for 30 days with 0% APR under the new-customer promotion terms. Match the amount to your expense and check the conditions for repaying only the principal. Additional services, including the Chroń PESEL package, have separate prices and require a separate purchase decision. Read the Miloan description and confirm the cost before entering into an agreement.

Basic information

First loan

Amount:: up to PLN 3,000
Interest:: 0%
APR (RRSO):: 0%

Subsequent loan

Amount:: to 7 000 PLN
Interest:: 14,5%¹
APR (RRSO):: 297,46%¹

Requirements

Age 21–75 years, Polish citizenship, residence and work in Poland, own account and telephone, and positive verification of repayment ability.

Working hours

Service hours have not been confirmed. Check availability before contacting.

Contact

Email: obslugaklienta@miloan.pl
Telephone: 533 100 533
Miloan Polska Sp. z o. o., ul. Domaniewska 45, 02-672 Warsaw

Offer page and contact ↗

¹ Annual interest rate and APR of the standard offer: published example 1000 PLN on 30 days, status on 05.03.2026. The parameters of a different amount, promotion or individual offer may vary.

Example costs

Sample costs of a standard offer

Amount	Period	Cost	Total repayment	APR (RRSO)
PLN 1,000	30 days	120,10 PLN	1 120,10 PLN	297,46%

Standard example published with 05.03.2026.

The promotion for a new customer provides for an APR of 0% if its conditions are met and repayment is made on time. The next loan offer is separate. Before accepting, check the amount to be refunded and the price of any additional service.

Repayment extension

Consequences of non-repayment

How to choose a loan with 0% APR?

Compare the same amount and similar repayment periods. A maximum limit on a card does not mean the full amount qualifies for the promotion or that every customer will receive it. Check the promotional range and cost example, then confirm your own total repayment before signing.

Choose a repayment period that fits your budget

Choose an amount you can repay without taking out another loan. Distinguish a free promotional loan from a paid extension or refinancing. The institution assessing your application determines the decision and final terms.

Questions about interest-free loans

When does a loan really have no costs?

When the agreement states a total cost of PLN 0 and, after meeting the promotion conditions, you repay only the amount borrowed. Check interest, commission, APR and the total amount repayable. For example, a PLN 2,000 loan with no costs means repaying PLN 2,000. This illustrates the calculation and does not promise that every provider offers this amount. Also check whether you are ordering an additional paid service.

Is a 0% interest rate the same as 0% APR?

No. The nominal interest rate concerns interest, while APR expresses the total credit cost as an annual percentage under the applicable calculation rules. A loan with 0% interest may still have commission or other costs. Compare the amount you actually receive with the total repayment. Check the promotional APR for your chosen amount and period, rather than relying only on an advertising headline.

Who can qualify for an interest-free first loan?

The lender and the terms of the particular promotion determine eligibility. Check the age requirements, identity verification, accepted income sources and definition of a new customer. A previous agreement with the provider may exclude a welcome offer. A promotion does not replace the application assessment: selecting an amount in the comparison does not mean the loan or promotional price has been approved.

Does the promotion cover the full amount shown on the card?

Not always. A card may show the maximum first-loan limit, while the promotion covers only a specified range or a particular amount. A smaller loan may still carry a charge if it falls below the promotional threshold. Read the offer description and terms, then check the cost documents for your own parameters. Also check the promotion end date and any required application channel.

Will a repeat loan also be free?

Do not assume so. Welcome offers and repeat agreements may have different prices, limits and repayment dates. A higher available limit does not mean a lower cost. Check first-loan and repeat-loan terms separately, and compare the total amount repayable before applying again. Any new promotion for existing customers must be stated in the current offer rather than inferred from a previous agreement.

Is an additional package or insurance free?

Do not assume an additional service is included in the loan promotion. A protection package, subscription or insurance may have its own price, duration and cancellation rules. Check whether it is optional, who provides it and whether you are accepting a one-off or recurring payment. Read the summary of all products you are ordering before confirming the form.

What should I check before the repayment deadline?

Check the date by which the lender must receive the money, the correct bank account and the payment reference. Allow for weekends, public holidays and bank processing times. Confirm the amount due in your customer account or documents and keep the payment confirmation. If you notice a discrepancy in the account balance, contact customer support and request clarification.

What should I do if I cannot repay on time?

Contact the lender before the deadline and ask about the available options and their full cost. Late payment may lead to additional amounts becoming due; whether a promotion is lost depends on the agreement. An extension or refinancing is not automatically free and may create a separate obligation. Assess your whole budget before applying for another loan, and consider free legal assistance or debt advice if you are struggling.

All online loans →Financial terms explained →Complaint centre →

Declined for finance — what next?

Review the reason, your information and budget before applying again. The lender sets conditions and assesses affordability.

Need information?

Check the help centre or contact the editorial team using the form. Direct questions about a specific agreement to the lender.

Questions and answers →

Interest-free loans online

First loan

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Working hours

Contact

Example costs of the first loan without interest

Sample costs of a standard offer

Consequences of failure to repay the loan

First loan

More loans

Requirements

Working hours

Contact

Example costs of the first loan without interest

Sample costs of a standard offer

Consequences of failure to repay the loan

First loan

Subsequent loan

Requirements

Working hours

Contact

Example costs of the first loan without interest

Sample costs of a standard offer

First loan

Subsequent loan

Requirements

Working hours

Contact

Example costs of the first loan without interest

Sample costs of a standard offer

First loan

Subsequent loan

Requirements

Working hours

Contact

Example costs of the first loan without interest

Sample costs of a standard offer

First loan

Subsequent loan

Requirements

Working hours

Contact

Example costs of the first loan without interest

Sample costs of a standard offer

First loan

Subsequent loan

Requirements

Working hours

Contact

Example costs of the first loan without interest

Sample costs of a standard offer

First loan

Subsequent loan

Requirements

Working hours

Contact

Example costs of the first loan without interest

Sample costs of a standard offer

First loan

Subsequent loan

Requirements

Working hours

Contact

Sample costs of a standard offer

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