Cross-Platform Personal Loan App

I need a full-featured personal loan mobile application, similar in flow and polish to mPocket, released simultaneously on iOS and Android. The core journey starts with a clean onboarding screen that supports both email/password and social-media sign-ins, then guides the user through a quick loan application, an automatic credit-score pull, and a clear repayment schedule viewer.

The build must be truly cross-platform—React Native or Flutter are fine as long as the end result feels fully native on each store. A lightweight backend (Node.js, Firebase, or an equivalent you propose) should handle authentication, credit-score API calls, loan-eligibility logic, disbursement triggers and scheduled repayment reminders.

Key deliverables:
• iOS and Android binaries ready for store submission
• Source code with clear project structure and comments
• Admin panel or dashboard to review applications and update loan status
• Integration docs for any third-party credit bureau or payment gateway used
• Short test plan covering sign-up, loan request, credit check, repayment timeline and push notifications

Acceptance criteria will be met when a test account can:
1. Register via Facebook, then via email, without crashes or UI glitches
2. Submit a loan request and receive a dynamic decision screen fed by the credit-score API
3. View an auto-generated repayment schedule that updates once a mock payment is marked “paid”
4. Receive at least one push reminder triggered by your backend logic

Clean code, straightforward UI/UX, and timely milestone builds are my priorities. If you’ve shipped finance or lending apps before, please mention them and outline your preferred tech stack in your bid.