diff --git a/src/components/ImmediateCreditsStages/AcceptStage.js b/src/components/ImmediateCreditsStages/AcceptStage.js
index f664f50..34b6e21 100644
--- a/src/components/ImmediateCreditsStages/AcceptStage.js
+++ b/src/components/ImmediateCreditsStages/AcceptStage.js
@@ -52,6 +52,58 @@ const AcceptStage = ({
     },
   });
 
+  const loanCreateCheck = async () => {
+    try {
+      const response = fetch(
+        'https://shahsyotag.halkbank.gov.tm/onlineloancre-services/api/loancre/check',
+        {
+          method: 'POST',
+          headers: { 'Content-Type': 'aplication/json' },
+          body: JSON.stringify({
+            clientRecipient: {
+              idSeria: borrowerData.idSeria,
+              idNo: borrowerData.idNo,
+              accountNo: borrowerData.accountNo,
+              name: borrowerData.name,
+              surname: borrowerData.surname,
+              availableAmount: borrowerData.availableAmount,
+              clientType: 'recipient',
+              signRecipient: borrowerData.signRecipient,
+            },
+            clientGuarantor: isGuranter
+              ? {
+                  idSeria: guaranterData.idSeria,
+                  idNo: guaranterData.idNo,
+                  accountNo: guaranterData.accountNo,
+                  name: guaranterData.name,
+                  surname: guaranterData.surname,
+                  availableAmount: guaranterData.availableAmount,
+                  clientType: 'guarantor',
+                  signGuarantor: guaranterData.signGuarantor,
+                }
+              : null,
+            availableAmount: recepientAmount,
+            creditCardAccountNumber: cardDetails,
+            mrtIsInsuarance: isGuranter ? 0 : 1,
+            termInYears: creditDuration,
+          }),
+        },
+      );
+
+      if (!response.ok) {
+        throw new Error(`HTTP error! Status: ${response.status}`);
+      }
+
+      const jsonedResponse = await response.json();
+
+      if (jsonedResponse.errCode === 0) {
+        sendCode();
+      } else {
+        setStage(10);
+      }
+    } catch (error) {}
+  };
+
   const sendCode = async () => {
     try {
       const response = await fetch('https://shahsyotag.halkbank.gov.tm/sendOTP', {
@@ -73,8 +125,7 @@ const AcceptStage = ({
   };
 
   const onSubmit = () => {
-    sendCode();
-    setStage(9);
+    loanCreateCheck();
   };
 
   if (error) {
diff --git a/src/components/ImmediateCreditsStages/PhoneAccept.js b/src/components/ImmediateCreditsStages/PhoneAccept.js
index e218d89..f3cd10a 100644
--- a/src/components/ImmediateCreditsStages/PhoneAccept.js
+++ b/src/components/ImmediateCreditsStages/PhoneAccept.js
@@ -110,14 +110,65 @@ const PhoneAccept = ({
 
       if (jsonedResponse.status.ErrorCode === '0') {
         console.log('success');
-
-        sendCode();
+        loanCreateCheck();
       }
     } catch (error) {
       console.error(error.toString());
     }
   };
 
+  const loanCreateCheck = async () => {
+    try {
+      const response = fetch(
+        'https://shahsyotag.halkbank.gov.tm/onlineloancre-services/api/loancre/check',
+        {
+          method: 'POST',
+          headers: { 'Content-Type': 'aplication/json' },
+          body: JSON.stringify({
+            clientRecipient: {
+              idSeria: borrowerData.idSeria,
+              idNo: borrowerData.idNo,
+              accountNo: borrowerData.accountNo,
+              name: borrowerData.name,
+              surname: borrowerData.surname,
+              availableAmount: borrowerData.availableAmount,
+              clientType: 'recipient',
+              signRecipient: borrowerData.signRecipient,
+            },
+            clientGuarantor: isGuranter
+              ? {
+                  idSeria: guaranterData.idSeria,
+                  idNo: guaranterData.idNo,
+                  accountNo: guaranterData.accountNo,
+                  name: guaranterData.name,
+                  surname: guaranterData.surname,
+                  availableAmount: guaranterData.availableAmount,
+                  clientType: 'guarantor',
+                  signGuarantor: guaranterData.signGuarantor,
+                }
+              : null,
+            availableAmount: recepientAmount,
+            creditCardAccountNumber: cardDetails,
+            mrtIsInsuarance: isGuranter ? 0 : 1,
+            termInYears: creditDuration,
+          }),
+        },
+      );
+
+      if (!response.ok) {
+        throw new Error(`HTTP error! Status: ${response.status}`);
+      }
+
+      const jsonedResponse = await response.json();
+
+      if (jsonedResponse.errCode === 0) {
+        sendCode();
+      } else {
+        setStage(10);
+      }
+    } catch (error) {}
+  };
+
   const sendCode = async () => {
     console.log('startred');
 
@@ -158,14 +209,14 @@ const PhoneAccept = ({
       const jsonedResponse = await response.json();
 
       if (jsonedResponse === 'OTP validated successfully') {
-        fetchData();
+        loanCreate();
       } else {
         setErrMessage(true);
       }
     } catch (error) {}
   };
 
-  const fetchData = async () => {
+  const loanCreate = async () => {
     try {
       const response = await fetch(
         `https://shahsyotag.halkbank.gov.tm/onlineloancre-services/api/loancre`,