diff --git a/app/integrations/simbrella.py b/app/integrations/simbrella.py
index dfbc2e1..d1541a6 100644
--- a/app/integrations/simbrella.py
+++ b/app/integrations/simbrella.py
@@ -226,9 +226,16 @@ class SimbrellaClient:
     @staticmethod
     def collect_loan_user_due_payment(data):
         # InitiatedBy = REPAYMENT_DUE
-        return SimbrellaClient._collect_loan(data,"3")
+        try:
+            return SimbrellaClient._collect_loan(data,"3")
+        except Exception as e:
+            logger.error(f"Error in collect_loan_user_due_payment: {e}")
+            return ResponseHelper.error(
+                message="Failed to collect loan for due payment",
+                status_code=500,
+                error=str(e)
+            )
 
-   
     @staticmethod
     def _collect_loan(data, collectionMethod: str):
         api_url = f"{SimbrellaClient.BANK_CALL_BASE_URL}{SimbrellaClient.BANK_CALL_COLLECT_LOAN_ENDPOINT}"
diff --git a/app/models/loan.py b/app/models/loan.py
index 8719d78..4017f7b 100644
--- a/app/models/loan.py
+++ b/app/models/loan.py
@@ -335,4 +335,25 @@ class Loan(db.Model):
         except Exception as e:
             db.session.rollback()
             logger.error(f"Error updating loan balance: {e}")
-            raise Exception(f"Error updating loan balance: {str(e)}")
\ No newline at end of file
+            raise Exception(f"Error updating loan balance: {str(e)}")
+        
+    @classmethod
+    def get_overdue_loans(cls):
+        """
+        Get all overdue loans.
+        """
+        try:
+            overdue_loans = cls.query.filter(
+                cls.due_date < datetime.now(timezone.utc),
+                cls.status != 'repaid'
+            ).all()
+
+            if not overdue_loans:
+                logger.info("No overdue loans found.")
+                return []
+
+            logger.info(f"Found {len(overdue_loans)} overdue loans.")
+            return overdue_loans
+        except Exception as e:
+            logger.error(f"Error fetching overdue loans: {e}")
+            return []
diff --git a/app/routes/autocall.py b/app/routes/autocall.py
index 279826a..34168ba 100644
--- a/app/routes/autocall.py
+++ b/app/routes/autocall.py
@@ -256,3 +256,69 @@ def report():
     except Exception as e:
         logger.error(f"Error generating or sending report: {e}")
         return ResponseHelper.error("Failed to send report", status_code=500, error=str(e))
+    
+@autocall_bp.route("/overdue-loans", methods=["GET"])
+def overdue_loans():
+    try:
+        # Step 1: Get all overdue loans
+        loans = LoanService.get_overdue_loans()
+        logger.info(f"Found {len(loans)} overdue loans.")
+        if not loans:
+            return ResponseHelper.success(message="No overdue loans found", status_code=200)
+        # Step 2: Create repayments for each loan
+        for loan in loans:
+            logger.info(f"Processing Loan ID: {loan.id}")
+            try:
+                repayment_data = {
+                    "customerId": loan.customer_id,
+                    "loanId": loan.id,
+                    "productId": loan.product_id,
+                    "transactionId": loan.transaction_id,
+                    "initiatedBy": "SYSTEM", #To be reviewed
+                    "salaryAmount": 0,
+                    "LoanStatus": loan.status,
+                }
+
+                logger.info(f"Creating repayment with data: {repayment_data}")
+                repayment = RepaymentService.create_repayment(repayment_data)
+
+                if not repayment or isinstance(repayment, dict) and "error" in repayment:
+                    db.session.rollback()  # important in case create_repayment failed mid-way
+                    logger.error(f"Repayment creation failed for loan ID {loan.id}: {repayment}")
+                    continue
+
+                try:
+                    LoanService.update_status(loan_id=loan.id, status=LoanStatus.START_REPAY)
+                except Exception as e:
+                    db.session.rollback()
+                    logger.error(f"Failed to update loan status for loan ID {loan.id}: {e}")
+
+                logger.info(f"Created repayment ID: {repayment.id}")
+
+                # Step 3: Call Simbrella
+                try:
+                    simbrella_response = SimbrellaClient.collect_loan_user_due_payment(repayment.to_dict())
+
+                    if isinstance(simbrella_response, tuple):
+                        simbrella_response, status_code = simbrella_response
+                        logger.warning(f"Simbrella returned tuple: status={status_code}, response={simbrella_response}")
+
+                    if isinstance(simbrella_response, dict):
+                        if simbrella_response.get("status") != "success":
+                            logger.warning(f"Simbrella failed for repayment ID {repayment.id}: {simbrella_response}")
+                    else:
+                        logger.warning(f"Unexpected Simbrella response: {type(simbrella_response)}")
+
+                except Exception as e:
+                    logger.error(f"Failed to call Simbrella for repayment ID {repayment.id}: {e}")
+
+            except Exception as e:
+                db.session.rollback()
+                logger.error(f"Error creating repayment for loan ID {loan.id}: {e}")
+                continue
+
+        logger.info(f"Finished processing loan ID: {loan.id}")
+        return ResponseHelper.success(message="Processed overdue loans successfully", status_code=200)
+    except Exception as e:
+        logger.error(f"Error fetching overdue loans: {e}")
+        return ResponseHelper.error("Failed to fetch overdue loans", status_code=500, error=str(e))
diff --git a/app/services/loan.py b/app/services/loan.py
index 3cf927a..bb4e2d8 100644
--- a/app/services/loan.py
+++ b/app/services/loan.py
@@ -99,3 +99,10 @@ class LoanService:
         update the loan balance after successful repayment
         """
         return Loan.update_loan_balance(loan_id,amount_collected)
+    
+    @classmethod
+    def get_overdue_loans(cls):
+        """
+        Get all overdue loans.
+        """
+        return Loan.get_overdue_loans()
diff --git a/openapi.yml b/openapi.yml
index 9b03e59..eb3d2de 100644
--- a/openapi.yml
+++ b/openapi.yml
@@ -208,4 +208,9 @@ paths:
       responses:
         200:
           description: A successful response
-          
\ No newline at end of file
+  /autocall/overdue-loans:
+    get:
+      summary: Get all overdue loans
+      responses:
+        200:
+          description: A successful response
\ No newline at end of file