diff --git a/app/models/loan.py b/app/models/loan.py
index ab8e89f..0e4e592 100644
--- a/app/models/loan.py
+++ b/app/models/loan.py
@@ -36,6 +36,13 @@ class Loan(db.Model):
         back_populates="loans",
     )
 
+    loan_charges = relationship(
+        "LoanCharge",
+        primaryjoin="Loan.id == LoanCharge.loan_id",
+        foreign_keys="LoanCharge.loan_id",
+        back_populates="loan",
+    )
+
     @classmethod
     def create_loan(cls, customer_id, account_id, offer_id, initial_loan_amount, collection_type, transaction_id, status='pending'):
 
diff --git a/app/models/loan_charge.py b/app/models/loan_charge.py
new file mode 100644
index 0000000..f01a9f4
--- /dev/null
+++ b/app/models/loan_charge.py
@@ -0,0 +1,41 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from sqlalchemy.orm import relationship
+
+
+class LoanCharge(db.Model):
+    __tablename__ = 'loan_charges'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    loan_id = db.Column(db.Integer, nullable=False)
+    transaction_id = db.Column(db.String(50), nullable=True) 
+    code = db.Column(db.String(50), nullable=False) 
+    amount = db.Column(db.Float, default=0.0)
+    percent = db.Column(db.Float, default=0.0)
+    description = db.Column(db.Text, nullable=True)
+    due_date = db.Column(db.DateTime, nullable=False)
+    created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
+    updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
+
+    loan = relationship(
+        "Loan",
+        primaryjoin="LoanCharge.loan_id == Loan.id",
+        foreign_keys=[loan_id],
+        back_populates="loan_charges",
+    )
+ 
+
+    def to_dict(self):
+        return {
+            'id': self.id,
+            'loanId': self.loan_id,
+            'transactionId': self.transaction_id,
+            'code': self.code,
+            'amount': self.amount,
+            'percent': self.percent,
+            'description': self.description,
+            'dueDate': self.due_date.isoformat() if self.due_date else None,
+        }
+
+    def __repr__(self):
+        return f"<LoanCharge {self.id} - Loan {self.loan_id} - {self.code}>"