diff --git a/app/models/__init__.py b/app/models/__init__.py
index 1d7fc97..3d16094 100644
--- a/app/models/__init__.py
+++ b/app/models/__init__.py
@@ -5,6 +5,7 @@ from .transaction import Transaction
 from .repayment import Repayment
 from .loan_charge import LoanCharge
 from .offer import Offer
+from .charge import Charge
 
 
-__all__ = ['Customer', 'Account', 'Loan', 'Transaction', 'Repayment', 'LoanCharge', 'Offer']
\ No newline at end of file
+__all__ = ['Customer', 'Account', 'Loan', 'Transaction', 'Repayment', 'LoanCharge', 'Offer', 'Charge']
\ No newline at end of file
diff --git a/app/models/charge.py b/app/models/charge.py
new file mode 100644
index 0000000..16c97f7
--- /dev/null
+++ b/app/models/charge.py
@@ -0,0 +1,85 @@
+from datetime import datetime, timezone, timedelta
+from app.extensions import db
+from sqlalchemy.orm import relationship
+from app.models.offer import Offer
+
+
+class Charge(db.Model):
+    __tablename__ = 'charges'
+
+    id = db.Column(db.Integer, primary_key=True, autoincrement=True)
+    offer_id = db.Column(db.Integer, nullable=False)
+    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)
+    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))
+
+    offer = relationship(
+        "Offer",
+        primaryjoin="Charge.offer_id == Offer.id",
+        foreign_keys=[offer_id],
+        back_populates="charges",
+    )
+
+    @classmethod
+    def create_charges_for_loan(cls, loan_id, transaction_id, charges, referenced_amount = 0.0):
+        """
+        Create loan charges for a given loan.
+
+        Args:
+            loan_id (int): ID of the loan to associate charges with.
+            charges (list): A list of dictionaries with keys: 
+            code (str), amount (float), percent (float), description (str), due (int)
+        """
+        if not charges or not isinstance(charges, list):
+            raise ValueError("Charges must be a non-empty list of dictionaries")
+        
+        if loan_id is None:
+            raise ValueError("loan_id cannot be None")
+
+        loan_charges = []
+        now = datetime.now(timezone.utc)
+
+        for charge in charges:
+            due_days = charge.get("due", 0)
+            amount = charge.get("amount", 0.0)
+            percent = charge.get("percent", 0.0)
+
+            if amount == 0.0:
+                amount = (percent / 100.0) * referenced_amount
+
+            charge_obj = cls(
+                loan_id = loan_id,
+                transaction_id = transaction_id,
+                code = charge.get("code"),
+                amount = amount,
+                percent = percent,
+                description = charge.get("description", ""),
+                due = due_days,
+                due_date = now + timedelta(days=due_days)
+            )
+
+            db.session.add(charge_obj)
+            loan_charges.append(charge_obj)
+
+        return loan_charges
+
+    
+
+    def to_dict(self):
+        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,
+        }
+
+    def __repr__(self):
+        return f"<LoanCharge {self.id} - Loan {self.loan_id} - {self.code}>"
diff --git a/app/models/offer.py b/app/models/offer.py
index 2590f46..799983a 100644
--- a/app/models/offer.py
+++ b/app/models/offer.py
@@ -1,5 +1,6 @@
 from datetime import datetime, timezone
 from app.extensions import db
+from app.models.charge import Charge
 
 class Offer(db.Model):
     __tablename__ = 'offers'
@@ -12,6 +13,13 @@ class Offer(db.Model):
     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))
 
+    charges = relationship(
+        "Charge",
+        primaryjoin="Offer.id == Charge.offer_id",
+        foreign_keys="Charge.offer_id",
+        back_populates="offer",
+    )
+
     @classmethod
     def get_all_offers(cls):
         """