The main objective of the project is to provide small loans with low interest rate to cover the user against overdraft fees on their bank account. The major step here is to automate the loan and repayment process online, so that users may request loans without any hurdles, like filling up many documents manually. Many functionalities and third party services has been involved here to automate the process. Some of the services which we are using are "Plaid, Stripe, Clarity etc.," The main selling point of the app, is the concept called “Payback Calendar”. This indicates the predicted threshold average balance for an user in the upcoming days. This has been done with colour coding for better user experience. The machine learning concept has been carried out using Amazon’s AWS service. Backend is being developed using Ruby on Rails framework, the web app in AngularJS and the iOS app using swift.