I need an Android-only application that handles personal loan requests from start to finish. At its core the app must let a user fill out a digital application form and, once approved, follow every repayment through an in-app payment-tracking screen. A clean, intuitive flow is essential—think simple onboarding, form validation that catches errors before submission, and a dashboard that shows remaining balance, next-due date, and payment history in real time. Security is critical because we will be storing sensitive data, so please follow current Android best practices for encryption, secure storage, and network calls (HTTPS, SSL pinning where relevant). I’m happy to work with Firebase, a RESTful backend, or another reliable stack if you can justify the choice during kickoff. Deliverables I expect: • Production-ready APK plus full, well-commented source code • Brief setup guide so I can build and run the project locally in Android Studio • UI/UX that matches Material Design guidelines and adapts cleanly to common phone sizes • Basic admin or backend hooks that let me pull submitted applications and update repayment status If you already have experience shipping finance or fintech apps in Kotlin or Java and can point to them, that will speed up selection. Let me know your development timeline and any third-party services you plan to integrate so we can confirm compliance requirements before you start.