Top 30 Cash Advance Apps To Cover You Until Payday 2022

This article features a list of our top 30 best instant cash advance apps to cover you until next payday for 2022. The lending apps and platforms reviewed here are for urgent and quick cash loans from reputable credit companies that can come to your aid whenever you fall into an emergency that is very urgent for you to fix. This could be sundry bills, need gas cash, rent coming up soon, personal financial obligation, urgent purchases or any other commitment that cannot wait until next payday.

Cash Advance Apps To Help You Until Payday
Top 30 Best Instant Cash Advance Apps To Cover You Until Payday 2022

Just imagine waking up thinking it’s going to be just another day, but then your car breaks down. Your electricity bill arrives and it’s much higher than it usually is. You fall ill unexpectedly. An old friend comes into town and you have to go have a fun night out with them. You don’t have enough money to cover you until payday. This is where instant cash advance apps  come in.

These cash advance apps are expected to help you plan your budget and get through financial emergencies without throwing you under a pile of debt by providing low cost and competitive fees advances until payday. without you having to suffer high overdraft charges.

Instant Cash Advance Apps
Top 30 Best Intant Cash Advance Apps to cover you until Payday In 2022

What Are Instant Cash Advance Apps?

Cash advance apps are apps that allow you to deposit money that you’ve already earned into your checking account before payday. Generally, these apps are free or charge a nominal fee, but they don’t generally charge interest on the loans. Even with the upfront fees, these are an inexpensive alternative to payday loans or even credit cards. For people struggling with cash flow, the cash advance apps can offer a tool to break the paycheck-to-paycheck cycle.

Cash Advance Apps For 2022: How It All Started?

Instant cash advance apps in 2022 are designed to change the present financial system that attempt to leave millions of people behind across America by allowing salary earners, workers, borrowers and customers get funding before payday. These cash advance apps are specially designed to let you draw certain amounts of your earned wages and salaries before they fall due.

Most cash advance apps allow you borrow small amount from your next paycheck before you receive it. This quick fix are usually very helpful if you need cash in an emergency.

Instant Cash Advance Apps: How They Work

Instant cash advance apps approve money instantly, very fast and easily. Most of them even won’t check your credit score and some comes with little or no interest. Some just request a tip for the service.

However you may have to go through a few process to set up an account with instant cash advance apps, such as setting up automatic repayments from your bank account, but after your account is active, you can access cash advances at considerable costs.

Unlike other borrowing options such as credit cards or personal loans, the cost of borrowing from cash advance apps isn’t always expressed as an interest rate. Instead, many of the lending apps may charge subscription or expedited funding fees, and many suggest you tip them for their loan services.

List Of Top 30 Cash Advance Apps For 2022

The following is a list of our top 30 picks for the best instant cash advance apps for 2022.

  1. Earnin
  2. PayDayCash USA
  3. 10 Minute Loans
  4. The Payday Advance app
  5. Dave
  6. Loan Today USA
  7. Upstart
  8. SoFi Money
  9. Upgrade
  10. Axos Bank
  11. Varo
  12. DailyPay
  13. Branch
  14. MoneyLion
  15. Brigit
  16. Chime
  17. Empower
  18. Even
  19. PayActiv
  20. Floatme
  21. Ingo Money
  22. LenMe
  23. Affirm
  24. Speedy Cash
  25. FlexWage
  26. Possible Finance
  27. Vola Finance
  28. Tapcheck
  29. Solo Funds
  30. Albert

1. Earnin

Earnin is our 1st pick on our list of instant cash advance apps that let you draw small amounts of your earned wages and cover you until payday. It facilitates earning all across America by salary earners before payday. The app lets you draw small amounts of your earned wages before payday while you offer a ‘tip’ as consideration for the service. No interest, fees or charges for the service, just offer a comfortable “tip” and you are game.

You can apply to Earnin and get quick access to your salary before your payday arrives with the application – up to $100 each day, and up to $500 per paycheck, no credit check required. Simply tip what you would like (even $0). Earnin gives you access to your paycheck in advance, with positively no catch. The platform claims it has more than 1 million local area individuals making any day their payday.

On payday, your account will be debited for the money you cashed out + tips

CLICK HERE to apply for Earnin Cash Advance.

2. PayDayCash USA 

PayDayCash USA is our 2nd pick on our list of top 30 best instant cash advance apps that can cover you until payday. It offers several different kinds of loan for your every need including personal, payday and cash advances.

If you ever need an instant payday advance or cash advance to solve your short-term financial problems or you want a payday loan online or you require a quick cash loan advance from a digital lending app? PayDayCash USA can help!

The lending process is quick and easy and takes only a few minutes. Do you need a fast cash advance? Payday Cash USA is the fastest way to get approval for a cash loan advance or payday loan. Get started with our quick and easy application and get complete financial freedom. It works very simply.

Fast cash advance loans available after a few steps with PayDayCash USA

CLICK HERE To download and apply for PayDayCash USA advance loans.

3. 10 Minute Loans 

10 Minute Loans is the 3rd pick on our list of best instant cash advance apps that give fast and unsecured payday loans instantly.

With 10 Minute Loans instant cash advance, you can get money and small loans in advance before payday arrives! The app claims with its loan service, you have no more frustrating visits to the bank or delays, as it claims you can get payday loans quickly and securely from your phone.

The platform allows you to get $100, $250 or more (max is $5,000). Once applied, you will get a quick lending decision and your loan agreement.

CLICK HERE To download the app from Google Play And Apply for loan.

4. The Payday Advance app

The Payday advance app is the 4th on our list of best instant cash advance platforms that can help you until payday for fast access to loan to cater for unexpected expenses or emergency needs within 24 hours.

If you can’t bolster your finances right away, you may simply open one of their best cash advance apps and get funded in a minute. This is a convenient and fast process that also protects your personal and banking data.

Be it an urgent $1000 car repair bill or a home improvement that leaves you with no time to postpone, instant cash advance request can bring relief. Take control of personal finances with no hassle or rush!

CLICK HERE To download the app from Google Play and apply.

5. Dave

Dave is one of the best cash advance apps to ever exist. The lending platforms says it is on a mission to create financial opportunity that advances America’s collective potential. With them, you get paid up to two days early, build your credit history, and get up to $200 cash advances without paying a fee. 10 million members and counting.

Many digital cash advance loan apps give you loans very fast. Cash apps approve loans very quickly and easily. Nowadays most of them even won’t check your credit score and comes with 0 interest.

However there may be limitations to the digital loans on offer. First of all, you can’t expect a lot of money. Most of them offer about $100 to $500 and in most cases, you have to pay the money back in a month. In some cases they may have monthly membership fees, typically between $1 to $5.

Download DAVE APP ON GOOGLE PLAY STORE BY CLICKING HERE.

6. Loan Today USA

Another notable platform on our list of top best cash advance apps for quick cash loans is Loan Today USA, a digital lending app for American residents that claims to give up to $30,000 with a loan repayment tenure from 120 days and above.

– Loan repayment terms 120 days and up!
– Personal loans up to $30,000
– Payday or personal loans

If you are experiencing money problems or you just need a small advance against your payday to tide you over or you need cash for an unexpected expense, then a payday loan such as Loan Day USA can be the solution you are looking for.

Bad Credit Loans
Bad credit loans refer to low credit scores; things like late payments or maxed-out credit cards can bring your scores down, and when you have bad credit, qualifying for loans can be a challenge.

Below is a general range of common terms.

Loan amount: $300 – $15,000
Lending period: 6 – 72 months
Payment frequency: Once a month or twice a month
Minimum to Maximum APR: 3.5% to 35.99%

To download the app from Google Play, CLICK HERE.

7. Upstart

Upstart, a US digital lending platform is our 7th pick on the list of top 30 best instant cash advance apps that provides access to emergency funding, facilitating fast and quick online loans from $1,000 to $50,000 from several lending partners. Upstart says it’s different from others who only look at your credit score and credit history — their evaluation process also looks at your education, major, and job history.

In addition to your credit, Upstart digital lender will consider your education and job history to determine creditworthiness — which means you might qualify even if you have little to no credit history.

Upstart-powered lenders offer quick loans from $1,000 to $50,000 with fixed interest rates and repayment terms of 3 or 5 years. Loans through Upstart may be used for many purposes like debt consolidation, moving, weddings, and medical bills.

You can apply for a Upstart Loan from HERE

8. SoFi Money

11 Instant Cash Advance Apps In 2022
Top 30 Best Instant Cash Advance Apps To Cover You Until Payday 2022

The next app on our list of best instant cash advance apps is SoFi Money. SoFi Money gives you early access to your salary before the direct deposit is scheduled to arrive in your account.

Like Dave, this app does not charge overdraft fees or minimum balance fees. It even offers free coverage for accidental overdrafts of up to $50 so you don’t get hit with a penalty.

However, unlike Dave, SoFi Money has zero monthly charges. If you have a SoFi Money card, you get to enjoy access to over 55,000 ATMs across the country without having to pay transaction fees.

To apply for an instant cash advance from SoFi Money, CLICK HERE.

9. Upgrade

Upgrade is number 9 on our list of best instant cash advance apps, offering quick loan from $1,000 to $50,000 with three- or five-year terms. If you’re approved, you could get your funds within a day of clearing the necessary verification.

Pros

  • Upgrade accepts poor and fair credit
  • Quick loan funding
  • Free credit monitoring and educational resources

Cons

  • Origination fees from 2.9% to 8%
  • Not available in West Virginia
  • Doesn’t disclose minimum income requirements

You can apply for a Upgrade Quick Loan from HERE

10. Axos Bank

Axos Bank is our 10th pick on our list of best instant cash advance apps to cover you until payday. It offers users quicker access to their paychecks. When you open a high-yield savings and checking account with Axos Bank, you automatically qualify for the Direct Deposit Express feature.

This gives you access to an advance on the money you’ve already earned days before the actual check lands in your account. To activate this feature, you simply have to set up a direct deposit for your account and Axos will take it from there. Axos Bank does not charge you a monthly service fee. It doesn’t demand overdraft fees or require you to have a minimum balance to keep your account operative either.

To apply for cash advance from Axos Bank, CLICK HERE

11. Varo

Instant Cash Advance Apps In 2022
Top 30 Best Instant Cash Advance Apps To Cover You Until Payday 2022

Varo is a powerful digital banking service and our 11th pick on our list of top 30 best instant cash advance apps for quick cash loan until payday. The platform provides access to cash advances before your paycheck arrives so you don’t have to put up with the usual delays that accompany traditional banks.

Once you set up a direct deposit on your Varo account, you’ll be entitled to withdraw any amount you want from your earned wages ahead of time.

The pay advances you receive from Varo are interest-free, just like the advances that Dave offers. You won’t even have to pay transfer fees, foreign transaction fees, or keep a minimum balance.

To apply for Varo instant cash advance app, CLICK HERE.

12. DailyPay

Instant Cash Advance Apps In 2022
Top 30 Best Instant Cash Advance Apps To Cover You Until Payday 2022

If you’re looking for the best cash advance apps for instant emergency cash to help you solve urgent financial needs when you’re low on funding without attracting hefty overdraft fees on your account, then DailyPay is one of your best options to consider.

With DailyPay, you can get an advance on your earnings before your next payday and save over $1,205 in overdraft fees, loan interest, and late fees.

The app charges a modest transfer fee of $1.99—which is on par with what Dave charges—on each withdrawal to deposit your cash advance by the next business day. Alternatively, you can pay $2.99 for an instant transfer.

To apply for DailyPay advance, CLICK HERE.

13. Branch

Instant Cash Advance Apps In 2022
Top 30 Best Instant Cash Advance Apps To Cover You Until Payday 2022

Branch is our 13th pick on our list of top 30 best instant cash advance apps available in the market today. The service is designed to help employees get faster access to their wages, keep track of payments and balances, get spending reports regularly, and receive alerts about upcoming bills.

Branch lets you withdraw up to $500 in advance per pay cycle of $150 per day based on how many hours of work you do and wages you earn. However, the catch is that your employer also has to set up an account on Branch.

To apply for Branch instant cash advance app, CLICK HERE

14. MoneyLion

Instant Cash Advance Apps In 2022
Top 30 Best Instant Cash Advance Apps To Cover You Until Payday 2022

In our list of best instant cash advance apps for payday loans in respect of emergency expenses is MoneyLion.

The service grants you instant loans of up to $250 per pay cycle depending on how much income you regularly earn and deposit into your checking account.

The process for getting a cash advance on MoneyLion is much faster than Dave by a few days. You can even receive the disbursement instantly or within a few hours if you have a RoarMoney account. MoneyLion doesn’t require any fees or interest on cash advances. Instead, the company asks that you leave an optional tip whenever you get a cash advance so that MoneyLion can remain interest-free and available to as many users as possible.

MoneyLion doesn’t perform any kind of credit checks before, during, or after you request a cash advance, so you don’t have to worry about ruining your credit or getting disqualified for not having stellar credit.

To apply for MoneyLion instant cash advance app, CLICK HERE.

15. Brigit

5 Best Unemployment Cash Advance Apps
Top 30 Best Instant Cash Advance Apps To Cover You Until Payday 2022

Brigit is one of the best cash advance apps to cover you until payday in 2022. It works by letting you borrow money and paying it back when your next paycheck is deposited.

With Brigit Plus, you get a cash advance within 20 minutes whilst the standard accounts get it within 1 to 2 business days. To be able to request up to $250, you need to uograde to the $9.99 per month plus plan. It’s definitely one of the top instant cash advance apps like Dave you can get.

To Apply for Brigit loan, click here.

16. Chime

Advance Apps That Loan You Money Instantly In 2022
Top 30 Best Instant Cash Advance Apps To Cover You Until Payday 2022

Chime is our 16th pick on our list of top 30 best instant cash advance apps in 2022. The maximum amount you can request is $200 but you have to start building your account to qualify.

If you’re in urgent need of a little cash, Chime can lend you up to $100 before your paycheck arrives. With Chime’s Spot Me feature, you can overdraw up to $200 on your account depending on your repayment history.

While Dave charges you a monthly subscription fee of $1 to maintain your account and Express fees between $1.99 Chime is completely free to use. It neither charges maintenance fees, nor transaction fees. Minimum balance fees or hidden fees are not charged.

To Apply for Chime loan, click here.

17. Empower

Top 22 Best Instant Cash Advance Apps Like Dave 2022
Top 30 Best Instant Cash Advance Apps in 2022

The process with Empower is simple. You can withdraw from $25 to $250 and you pay automatically when you receive your next paycheck. It’s our 17th pick on our list of cash advance apps that guarantees you instant approvals and quick cash loans.

Want a quick cash advance but don’t want to deal with interest rates or late fees? Consider using Empower to receive up to $250 whenever you need a cash injection to take care of your bills and expenses.

When you apply for a loan on the platform the money will be disbursed to your Empower checking account free of charge or to an external bank account for a flat fee of $3. You can even get access to your paycheck two days earlier thanks to Empower’s Early Paycheck Deposit feature. Empower is definitely one of the top apps like Dave.

To Apply for Empower loan, click here.

18. Even

Top 22 Best Instant Cash Advance Apps Like Dave 2022
Top 30 Best Instant Cash Advance Apps for 2022

Even is our 18th pick on the list of top and awesome cash advance apps for emergency payday loans. Whether you need to fill your gas tank, pay a bill, treat yourself to a good time, or buy groceries, Even is there to help you deal with life’s surprises by giving you access to cash within minutes. The service puts its own unique spin on cash loans by advancing money from your unpaid wages.

To be eligible to borrow money from Even, you need to work for a qualifying employer. Even will then furnish you with an advance of up to 50% from your paycheck depending on your salary history.

Even does not collect interest rates or taxes when you take a cash advance from the service. However, like its counterpart, Even requires a monthly subscription fee to enable you to cash out from the platform.

To Apply for Even Loan, click here.

19. PayActiv

Top 22 Best Instant Cash Advance Apps Like Dave 2022
Top 30 Best Cash Advance Apps 2022: The Complete List

One of the most attractive features of PayActiv is the fact that you can use the cash advance service during federal holidays and weekends in the US. It is our 19th pick on our list of 30 top cash advance apps for platforms that can loan you money immediately.

PayActiv is designed to help employers provide their employees with early access to their paychecks. However, you are still eligible to use the service even though your employers don’t have an account with PayActiv.

In this instance, you’ll have to apply for a PayActiv card to be able to receive a pay advance from your wages up to two days ahead of the due date.

Once you register on PayActiv, you’ll be able to view the number of hours you’ve worked and your current earnings from the app. Like Dave, PayActive doesn’t charge interests on cash advances, the amount withdrawn is simply deducted from your next paycheck.

To Apply for PayActiv Loan, click here.

20. Floatme

Floatme is one of the leading best instant cash advance apps that enables you request and receive money instantly whenever you need it.

Floatme is specifically targeted at millennials and it allows them to request and receive cash advances of up to $50 while avoiding overdraft charges that would ordinarily accrue.

The platform requires a monthly membership subscription of $1.99 to qualify you to receive advances, making it slightly less expensive than Dave’s $1 membership fee. Floatme gives you a 30-day trial period so you can check out the service before committing fully to it.

Floatme operates a no-interest policy. This means that any cash advance you receive from Floate will not incur interest.

To Apply for Floatme loan, Click Here.

21. Ingo Money

Ingo Money is our 21st pick on our list of best instant cash advance apps, offering a variety of features, including instant access to personal checks, cash paychecks, and business checks. It outruns Dave in terms of speed. Ingo Money facilitates money transfers in a matter of minutes. Users do not have to queue until the next business day to obtain their loan.

Ingo Money can be used as a pay advance app, it can also be used to pay outstanding bills, transfer money to different accounts, and purchase Amazon gift cards. Additionally, this app lets users participate in the referral program. If your mates, family, or coworkers download this app using your referral code, you will earn extra points, improve your chances of acquiring Amazon gift cards without having to spend any real cash.

To Apply for Ingo Money Loan, Click Here.

22. LenMe

If you need cash advance apps for instant and quick access to cash, LenMe is another good option in the way it helps users to borrow from various financial institutions. It connects users with financial institutions, private investors, and companies that are eager to lend you money via its iOS or Android app. As just a peer-to-peer payment network, you can borrow or lend money digitally in less than a few minutes.

To Apply for Lenme Loan, Click Here.

23. Affirm

Affirm is our 23rd pick on our list of cash advance apps for instant cash to get quick and emergency cash.

Affirm offers you a virtual credit card loaded with the amount you requested that you can use to make purchases and settle bills.

It also helps you schedule repayment based on your spending habits and the schedule that works for your job. All you need to do is pick the option that works best for you and start enjoying your cash advance.

You can use the Affirm app to buy anything from anywhere. You simply have to enter the purchase amount into the app and it’ll take it from there. Afterward, you can then set up a monthly payment plan to make the payback process as painless as possible.

Affirm outpaces many other cash advance apps as regards simplicity and speed. It processes your transfers within minutes so you don’t have to wait around for days for your transactions to be completed.

To Apply for Affirm Loan, Click Here.

24. Speedy Cash

Speedy Cash, our 24th pick on our list of top 30 best cash advance apps is known to function like Dave and Earnin, enabling users to manage various types of loans. You can monitor your payday, title, as well as instalment loans through its app. Additionally, it is an excellent application for maintaining your credit lines, obtaining a loan, or obtaining additional cash on existing loans.

The app enables secure payment processing, loan refinancing, and account funding selection. Through the app, you can obtain a loan for as little as $50 or as much as $26,000.

25. FlexWage

FlexWage is one of the top cash advance apps that help employees access their earned wages before payday to settle their financial responsibilities. With its OnDemand Pay feature, you can request a cash advance from your salary.

FlexWage allows your employer to determine your advance limit and how often you can request an advance.

However, unlike some other traditional cash advance apps, this platform gives you immediate access to your wages on payday. You can use the card at any Allpoint ATM, retailer that accepts Visa, or even send the cash to a bank account at no charge.

To Register And Apply for Flexwage Loan, Click Here.

26. Possible Finance

Possible Finance is our 26th pick on our list of cash advance apps for quick cash loan that can guarantee you emergency loan from your paycheck.

Possible Finance provides short-term installment loans. The maximum amount you can borrow is $500, which, so far, is the biggest loan amount we’ve seen here today! Typically, it will cost you around $30 for every $200 you borrow (with 8-weeks repayment).

To Register And Apply for Possible Finance Loan, Click Here.

27. Vola Finance

Vola Finance is our 27th pick on the list of best instant cash advance apps to cover you until payday and for emergency loan immediately. After you have connected the app to your bank account, Vola will keep an eye on everything to ensure you manage your money better. Yep, this includes budgeting and saving.

As soon as your account hits $35 or less, the app will send you a notification. Then, you can request an advance of up to $300. The best aspect here is that you get the money instantly.

The Pros
Financial tools and resources available
Budgeting and saving advice
Alerts you when your balance is low

The Cons
Can only borrow up to $300
Must have an average balance of $150 or over
People have reported technical issues with the app
Have to sign in to the bank to see membership tiers

To Download the app and apply for Vola Finance Loan, Click Here.

28. Tapcheck

TapCheck, our 28th pick on our list of top 30 best cash advance apps, gives you around the clock access to the money you have earned before payday. With these guys, you won’t have to wait for your money again. Yep, that means no more living paycheck-to-paycheck. And, you won’t be stuck if an emergency strikes.

When your employees are worried about money at home, that stress carries over to the workplace, impacting their on-the-job productivity and leading to increased absenteeism and higher turnover rates.

With Earned Wage Access, Employees are more productive when they feel valued by their employer.

CLICK HERE to register and apply for Tapcheck Loan.

29. Solo Funds

SoLo Funds, our 29th pick on the list of cash advance apps to cover you until payday, allows you borrow money from your friends and pay them with “tips” rather than a scary interest rate. However, you need to be careful since these tips can be sky-high (you don’t want to pay as much as you would for a payday loan).

The maximum amount is $1,000 and it’s incredibly simple to do. You’ll have to describe why you need the money but that is easily done!

The Pros
No interest
Repayment extensions allowed
No credit check
If you can’t pay it back, turn it into a gift

To Download the app and apply for Solo Funds Loan, Click Here.

30. Albert

Albert is our 30th and final pick for cash advance apps to cover you until payday for 2022. The app lends you money for emergency advances of up to $250 against your next paycheck. When you make a request, they’ll send the money directly into your bank account. You repay the advance upon deposit of your next paycheck.

Albert gives cash advances of up to $250 with no interest and no late fees. The negative balance will be deducted from the next paycheck once the user is paid. Users are not required to sign up for Albert’s paid subscription tier to access cash advances.

One limiting factor to consider, though, is the $4.99 fee for instant access to cash. Otherwise, the cash transaction will take 2 to 3 days to reach a customer’s account. Additional benefits include two-day-early paychecks and no impact on credit scores for cash advances.

To Download the app and apply for Albert Loan, Click Here.

Frequesntly Asked Questions (FAQs) About Best Instant Cash Advance Apps To Cover You Until Payday

1. What’s the easiest app to get a cash advance?

The following is a complete list of top cash advance apps to get emergency cash until payday.

Earnin
Dave
Loan Today USA
Upstart
SoFi Money
Upgrade
Axos Bank
Varo
DailyPay
Branch
MoneyLion
Brigit
Chime
Empower

2. What are cash advance apps that loan you money immediately?

Cash advance apps are platforms that can facilitate short-term loans that can help you out until your next payday.

3. How do cash advance apps work?

Cash advance apps work by taking you through a short application process and once you meet the requirement, you can get immediate funding into your checking account.

4. Are Cash Adance apps that loan you money until payday easy to use?

Yes, these cash advance apps can be used via your web browser, with the application process only taking a few minutes to complete.

5. What is the best instant cash App?

The following is a list of the best cash advance apps for quick cash loan immediately.

Earnin
PayDayCash USA
10 Minute Loans
The Payday Advance app
Dave
Loan Today USA
Upstart
SoFi Money
Upgrade
Axos Bank

Do You Need Reputable Cash Advance Apps For Quick And Emergency Cash?

Cash Advance Apps Have Changed The Dynamics of The Loan Industry Globally
Cash Advance Apps Have Changed The Dynamics of The Loan Industry Globally

In need of an instant loan or an emergency cash loan? You can apply through any of the top loan apps in Nigeria and get funded under 3 hours, a few more hours or within 24 days.

If you are in United States of America (USA), you can also apply for an emergency cash advance loan even if you have a poor or bad credit rating. If you need the top and best Apps For No Credit Check Loans, direct to your debit card, CLICK HERE.

These Top 10 Best Instant Loans No Credit Checks Guaranteed Online Approval are also highly recommended.

If you are in Canada, these 10 cash advance loan apps could meet your emergency and quick cash loan request.

For instant, payday, emergency or advance cash loan if you are in Australia, CLICK HERE.

CLICK HERE to apply if you are an unemployed in US.

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About the Author: Femi Adeoya

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