Humankind's survival and standard of living have been enhanced through technology. The proposal aims to produce new and original content every day. In the banking sector, the candidate receives proofs/backup prior to the loan being approved, therefore technology supports our lives and helps in making them better. The system's use of the individual’s or entity’s historical data determines whether a loan would be sanctioned or not. Numerous individuals apply for loans in either banks or financial institutions each day, yet the banking sector or financial institution resources are constrained. Using a classes-function algorithm in this situation would be quite advantageous