diff --git a/app/models/loan.py b/app/models/loan.py
new file mode 100644
index 0000000..656ac3c
--- /dev/null
+++ b/app/models/loan.py
@@ -0,0 +1,59 @@
+from datetime import datetime, timezone
+from app.extensions import db
+from sqlalchemy.orm import relationship
+
+class Loan(db.Model):
+    __tablename__ = "loans"
+
+    id = db.Column(
+        db.Integer,
+        primary_key=True,
+        autoincrement=True,
+    )
+    customer_id = db.Column(db.String(50), nullable=False)
+    transaction_id = db.Column(db.String(50), nullable=True)
+    account_id = db.Column(db.String(50), nullable=False)
+    offer_id = db.Column(db.String(20), nullable=False)
+    product_id = db.Column(db.String(20), nullable=True)
+    collection_type = db.Column(db.String(20), nullable=True)
+    current_loan_amount = db.Column(db.Float, nullable=True)
+    initial_loan_amount = db.Column(db.Float, nullable=False)
+    default_penalty_fee = db.Column(db.Float, default=0)
+    continuous_fee = db.Column(db.Float, default=0)
+    status = db.Column(db.String(20), default='pending')
+    due_date = db.Column(db.DateTime, nullable=True)
+    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))
+
+    customer = relationship(
+        "Customer",
+        primaryjoin="Customer.id == Loan.customer_id",
+        foreign_keys=[customer_id],
+        back_populates="loans",
+    )
+
+    loan_charges = relationship(
+        "LoanCharge",
+        primaryjoin="Loan.id == LoanCharge.loan_id",
+        foreign_keys="LoanCharge.loan_id",
+        back_populates="loan",
+    )
+
+    def __repr__(self):
+        return f"<Loan {self.id}>"
+
+    def to_dict(self):
+        """
+        Convert the Loan object to a dictionary format for JSON serialization.
+        """
+        return {
+            'debtId': self.id,
+            'initialLoanAmount': self.initial_loan_amount,
+            'currentLoanAmount': self.current_loan_amount,
+            'defaultPenaltyFee': self.default_penalty_fee,
+            'continuousFee': self.continuous_fee,
+            'collectionType': self.collection_type,
+            'status': self.status,
+            'dueDate': self.due_date.isoformat() if self.due_date else None,
+            'loanDate': self.created_at.isoformat if self.created_at else None
+        }
\ No newline at end of file
diff --git a/app/models/loan_charge.py b/app/models/loan_charge.py
new file mode 100644
index 0000000..da12479
--- /dev/null
+++ b/app/models/loan_charge.py
@@ -0,0 +1,43 @@
+from datetime import datetime, timezone, timedelta
+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 = db.Column(db.Integer, nullable=False)
+    due_date = db.Column(db.DateTime, nullable=True)
+    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 __repr__(self):
+        return f"<LoanCharge {self.id} - Loan {self.loan_id} - {self.code}>"
+
+    def to_dict(self):
+        """
+        Convert the Loan charge object to a dictionary format for JSON serialization.
+        """
+        return {
+            'id': self.id,
+            'loanId': self.loan_id,
+            'transactionId': self.transaction_id,
+            'code': self.code,
+            'amount': self.amount,
+            'percent': self.percent,
+            'description': self.description,
+            'due': self.due
+        }
\ No newline at end of file
diff --git a/app/models/transactions.py b/app/models/transactions.py
index 17cb957..6edc91c 100644
--- a/app/models/transactions.py
+++ b/app/models/transactions.py
@@ -20,6 +20,19 @@ class Transaction(db.Model):
     def __repr__(self):
         return f'<Transaction {self.id}>'
 
+    def to_dict(self):
+        """
+        Convert the Transaction object to a dictionary format for JSON serialization.
+        """
+        return {
+            'id': self.id,
+            'transaction_id': self.transaction_id,
+            'account_id': self.account_id,
+            'customer_id': self.customer_id,
+            'type': self.type,
+            'channel': self.channel,
+        }
+
     @classmethod
     def get_transaction_by_transaction_id(cls, transaction_id):
         return cls.query.filter_by(transaction_id=transaction_id).first()
\ No newline at end of file