diff --git a/app/config.py b/app/config.py
index 2b2d4e1..1a1f906 100644
--- a/app/config.py
+++ b/app/config.py
@@ -54,7 +54,12 @@ class Config:
     MAIL_USE_SSL = os.getenv('MAIL_USE_SSL', 'False').lower() in ('true', '1', 'yes')
     MAIL_DEFAULT_SENDER = ('FirstAdvance', 'firstadvance@dynamikservices.tech')
     MAIL_RECEIVER= os.getenv('MAIL_RECEIVER', 'chinenyeumeaku@gmail.com,umeakuchinenye@gmail.com')
-
+    
+    OVERDUE_LOAN_BATCH_SIZE = int(os.getenv("OVERDUE_LOAN_BATCH_SIZE", 10))
+    OVERDUE_LOAN_DELAY_SECONDS = int(os.getenv("OVERDUE_LOAN_DELAY_SECONDS", 5))
+    OVERDUE_LOAN_BATCH_DELAY_SECONDS = int(
+        os.getenv("OVERDUE_LOAN_BATCH_DELAY_SECONDS", 5)
+    )
     BANK_CALL_API_TIME_OUT = os.getenv("BANK_CALL_API_TIME_OUT", 100)
     BANK_CALL_BASE_URL = os.getenv("BANK_CALL_BASE_URL", "https://bank-emulator.dev.simbrellang.net/api")
     BANK_CALL_SMS_BASE_URL= os.getenv("BANK_CALL_SMS_BASE_URL","https://first-advance-middleware-develop.fbn-devops-dev-asenv.appserviceenvironment.net/SMS")
diff --git a/app/enums/repayment_schedule_status.py b/app/enums/repayment_schedule_status.py
index 3a1938f..b67c3ed 100644
--- a/app/enums/repayment_schedule_status.py
+++ b/app/enums/repayment_schedule_status.py
@@ -2,4 +2,6 @@ from enum import Enum
 
 class RepaymentScheduleStatus(str, Enum):
     PARTIALLY_PAID = "partially_paid"
-    REPAID = "repaid"
\ No newline at end of file
+    REPAID = "repaid"
+    ACTIVE = "active"
+    OVERDUE = "overdue"
\ No newline at end of file
diff --git a/app/helpers/collect_loan_helper.py b/app/helpers/collect_loan_helper.py
index 369d4b2..73e04b1 100644
--- a/app/helpers/collect_loan_helper.py
+++ b/app/helpers/collect_loan_helper.py
@@ -53,5 +53,11 @@ class CollectLoanHelper:
             "countryId": "NG",
             "comment": "COLLECT LOAN"
         }
-        
+     
+    @staticmethod   
+    def chunk_list(data, chunk_size):
+        """Yield successive chunk_size chunks from data."""
+        for i in range(0, len(data), chunk_size):
+            yield data[i:i + chunk_size]
+
     
\ No newline at end of file
diff --git a/app/routes/autocall.py b/app/routes/autocall.py
index f06aba1..0965c46 100644
--- a/app/routes/autocall.py
+++ b/app/routes/autocall.py
@@ -1,8 +1,10 @@
+import time as time_module
 from flask import Blueprint, request, jsonify, current_app
 import requests
 from app.extensions import db
 from app.config import settings
 from app.helpers.response_helper import ResponseHelper
+from app.helpers.collect_loan_helper import CollectLoanHelper
 from app.utils.auth import get_headers
 from app.utils.logger import logger
 from app.integrations.simbrella import SimbrellaClient
@@ -450,15 +452,33 @@ def overdue_loans():
         if not overdue_loans:
             logger.info("No overdue loans found.")
             return ResponseHelper.success(message="No overdue loans found", status_code=200)
+        #get batch size from settings
+        loan_delay_seconds = max(0, settings.OVERDUE_LOAN_DELAY_SECONDS)
+        batch_delay_seconds = max(0, settings.OVERDUE_LOAN_BATCH_DELAY_SECONDS)
+        batch_size = max(1, settings.OVERDUE_LOAN_BATCH_SIZE)
+
+        loan_chunks = list(CollectLoanHelper.chunk_list(overdue_loans, batch_size))
+        logger.info(f"Found {len(loan_chunks)} loan chunks to process.")
+
 
         # Step 2: Process each loan
-        for loan in overdue_loans:
-            process_overdue_loan(loan)
+        for chunk_index, loan_chunk in enumerate(loan_chunks):
+            logger.info(f"Processing chunk {chunk_index + 1} of {len(loan_chunks)} with {len(loan_chunk)} loans.")
+            for loan in loan_chunk:
+                try:
+                    process_overdue_loan(loan)
+                except Exception:
+                    logger.exception(f"Failed processing loan {loan.id}")
+                finally:
+                    time_module.sleep(loan_delay_seconds)
+            if chunk_index < len(loan_chunks) - 1:
+                logger.info(f"Waiting {batch_delay_seconds} seconds before processing next chunk...")
+                time_module.sleep(batch_delay_seconds)  # Delay between chunks
 
         return ResponseHelper.success(message="Processed overdue loans successfully", status_code=200)
 
     except Exception as e:
-        logger.error(f"Error fetching overdue loans: {e}")
+        logger.exception(f"Error fetching overdue loans: {e}")
         return ResponseHelper.error("Failed to fetch overdue loans", status_code=500, error=str(e))