diff --git a/app/api/services/provide_loan.py b/app/api/services/provide_loan.py
index d8445fe..31eefba 100644
--- a/app/api/services/provide_loan.py
+++ b/app/api/services/provide_loan.py
@@ -156,7 +156,7 @@ class ProvideLoanService(BaseService):
                     return ResponseHelper.error(result_description="Invalid Customer or Account")
             
                 padded_id = str(transaction_id).zfill(12)
-                loanref = f"{padded_id}{channel}{product_id}"
+                loanref = f"{padded_id}{channel}{offer.product_id}"
 
             
                 response_data = {