diff --git a/app/api/services/eligibility_check.py b/app/api/services/eligibility_check.py
index d9a7dd8..8afec6f 100644
--- a/app/api/services/eligibility_check.py
+++ b/app/api/services/eligibility_check.py
@@ -51,6 +51,14 @@ class EligibilityCheckService(BaseService):
                 
                 db.session.flush()
 
+                # Determine if there is any loan of 0 days active
+                current_loan  =  EligibilityCheckService.get_current_active_loans_by_account_id(account_id = account_id)
+                if current_loan:
+                    logger.info(f"Account {current_loan['accountId']} has active loan {current_loan}")
+                    if current_loan['product_id'] =='3MPC':
+                        return ResponseHelper.error(result_description="Max loan count for 3MPC reached")
+
+
                 # Determine Loan count
                 is_eligible = EligibilityCheckService.check_loan_limits(customer_id)
 
@@ -167,7 +175,12 @@ class EligibilityCheckService(BaseService):
             logger.error(f"An error occurred: {str(e)}", exc_info=True)
             db.session.rollback()
             return ResponseHelper.internal_server_error()
-        
+
+    @staticmethod
+    def get_current_active_loans_by_account_id(account_id):
+        current_loan  = Loan.get_current_active_loans_by_account_id(account_id)
+        return current_loan
+
 
     @staticmethod
     def check_loan_limits(customer_id):
diff --git a/app/models/loan.py b/app/models/loan.py
index 2b8f673..40688e5 100644
--- a/app/models/loan.py
+++ b/app/models/loan.py
@@ -204,6 +204,21 @@ class Loan(db.Model):
 
         return active_loans
 
+    @classmethod
+    def get_current_active_loans_by_account_id(cls, account_id):
+        """
+        Get the first active loan based on the accountID.
+        """
+        first_active_loan = cls.query.filter(
+        cls.account_id == account_id,
+        or_(
+            cls.status == LoanStatus.ACTIVE.value,
+            cls.status == LoanStatus.START_REPAY.value,
+            cls.status == LoanStatus.ACTIVE_PARTIAL.value,
+        )
+        ).order_by(cls.id.desc()).first()
+
+        return first_active_loan
 
     @classmethod
     def update_status(cls, loan_id, status):