Flutter Instant Personal Loan Application - 25/10/2026 14:23 EDT

I need a complete personal-loan mobile app built with Flutter that lets customers apply for a loan end-to-end in minutes.

Core flow
• User registration & instant KYC: collect the mobile number, PAN, Aadhaar and a selfie, then verify them on the spot.
• Credit scoring: pull the borrower’s score in real time through CIBIL or Experian APIs and decide eligibility automatically, without manual review.
• Instant disbursal: once approved, push funds straight into the customer’s bank account through a payment gateway such as Razorpay, Cashfree or PayU.
• Repayment automation: set up e-NACH or UPI Autopay at the time of disbursal so EMIs are deducted every month without user action.

Deliverables
1. Flutter source code for Android & iOS with clean, modular Dart.
2. Working integrations for KYC verification, credit-bureau API, chosen payment gateway and auto-debit mandate.
3. Simple backend or cloud functions to orchestrate the decision engine and keep status in sync.
4. Clear documentation and post-handover support long enough for me to upload to the stores and run initial live tests.

Acceptance criteria
• A new user should be able to register, clear KYC and receive a loan decision in a single session.
• If approved, money reaches the linked bank account immediately, and the repayment schedule appears in-app.
• Failed KYC or low score blocks disbursal and shows an explanatory message.
• EMIs collected automatically on the due date, with status reflected in the app dashboard.

If you have shipped similar fintech or lending products in Flutter, show me. I’m ready to move quickly once I can see you understand these integrations.