diff --git a/app/routes/autocall.py b/app/routes/autocall.py
index 4abdaf3..5a0f47b 100644
--- a/app/routes/autocall.py
+++ b/app/routes/autocall.py
@@ -125,12 +125,18 @@ def direct_loan():
 
     loan = LoanService.get_loan_by_transaction_id(transaction_id=transaction_id)
     if not loan:
-        logger.warning(f"Loan with transaction id {transaction_id} does not exist")
-        return jsonify({
-            "status": "error",
-            "message": f"Loan with transaction id {transaction_id} does not exist"
-        }), 400
+        first_error = f"Loan with transaction id {transaction_id} does not exist"
+        logger.warning(first_error)
+        loan = LoanService.get_latest_loan_without_disburse_date()
+        if not loan:
+            logger.info(f"No loan found without disbursement date")
+            return jsonify({
+                "status": "error",
+                "first_error": first_error,
+                "message": f"No loan found without disbursement date"
+            }), 400
 
+    # Tried 2 method to get the loan record at this point
     loan_data = loan.to_dict()
 
     # Prevent double disbursement