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Edit: /home/u523034047/domains/eipcsindia.com/public_html/LoanApp/new-loan-apply.php

<?php
session_start();
include 'connection.php';
ini_set('display_errors', 1);
ini_set('display_startup_errors', 1);
error_reporting(E_ALL);

// Check if user is logged in
if (!isset($_SESSION['username'])) {
    header("Location: signin.php");
    exit();
}

$session_username = $_SESSION['username'];

// Fetch user ID securely
$stmt = $conn->prepare("SELECT id, phone  FROM user_reg WHERE username=?");
$stmt->bind_param("s", $session_username);
$stmt->execute();
$stmt->bind_result($user_id, $phone);
$stmt->fetch();
$stmt->close();

if (!$user_id) {
    die("User not found.");
}

$error_msg = '';
$success_msg = '';

// Handle form submission
if ($_SERVER['REQUEST_METHOD'] == 'POST') {
    $loan_amount = floatval($_POST['loan_amount']);
    $loan_purpose = trim($_POST['loan_purpose']);
    $loan_term = intval($_POST['loan_term']);

// Basic validation
    if ($loan_amount <= 0) {
        $error_msg = "Loan amount must be greater than 0.";
    } elseif (empty($loan_purpose)) {
        $error_msg = "Loan purpose cannot be empty.";
    } elseif ($loan_term <= 0) {
        $error_msg = "Loan term must be greater than 0 months.";
    } else {
        // Generate 6-digit OTP
        $otp = rand(100000, 999999);

// Save OTP in DB securely
        $stmt = $conn->prepare("UPDATE user_reg SET otpcode=? WHERE id=?");
        $stmt->bind_param("ii", $otp, $user_id);
        $stmt->execute();
        $stmt->close();

// Store loan details in session until verification
        $_SESSION['new_loan'] = [
            'amount' => $loan_amount,
            'purpose' => $loan_purpose,
            'term' => $loan_term
        ];
        $_SESSION['loan_user_id'] = $user_id;
       // ✅ Send OTP via SMS
        if (!empty($phone)) {
             $smsMessage = "$otp is your OTP for login into your account. GGISKB";
            $messageEncoded = urlencode($smsMessage);
            $apiUrl = "http://sms.hspsms.com/sendSMS?username=HarishYadav123&message=$messageEncoded&sendername=DASSAM&smstype=TRANS&numbers=$phone&apikey=7efbfc55-76f7-4919-a64b-64cf2f1d2896";
            
            // Fire SMS API
            $response = @file_get_contents($apiUrl);

if ($response === FALSE) {
                $error_msg = "Failed to send OTP SMS. Please try again.";
            } else {
                // ✅ Only redirect if SMS is sent successfully
                $_SESSION['otp_sent'] = true;
                header("Location: loan-verify.php");
                exit();
            }
        } else {
            $error_msg = "Phone number not found for this user.";
        }
       
       
    }
}
?>

<!doctype html>
<html lang="en">

<head>
    <meta charset="utf-8">
    <meta name="viewport" content="width=device-width, initial-scale=1, shrink-to-fit=no">
    <meta name="description" content="">
    <meta name="author" content="">
    <meta name="generator" content="">
    <title>FiMobile V2.0 - Mobile HTML template</title>

<meta name="apple-mobile-web-app-capable" content="yes">
    <link rel="manifest" href="manifest.json" />

<link rel="apple-touch-icon" href="assets/img/favicon180.png" sizes="180x180">
    <link rel="icon" href="assets/img/favicon32.png" sizes="32x32" type="image/png">
    <link rel="icon" href="assets/img/favicon16.png" sizes="16x16" type="image/png">

<link rel="stylesheet" href="../../../../cdn.jsdelivr.net/npm/bootstrap-icons%401.5.0/font/bootstrap-icons.css">

<link rel="stylesheet" href="assets/vendor/swiperjs-6.6.2/swiper-bundle.min.css">

<link href="assets/css/style.css" rel="stylesheet" id="style">
</head>

<div class="container-fluid loader-wrap">
        <div class="row h-100">
            <div class="col-10 col-md-6 col-lg-5 col-xl-3 mx-auto text-center align-self-center">
                <div class="loader-cube-wrap loader-cube-animate mx-auto">
                    <img src="assets/img/logo.png" alt="Logo">
                </div>
                <p class="mt-4">It's time for track budget<br><strong>Please wait...</strong></p>
            </div>
        </div>
    </div>

<main class="h-100">

<header class="header position-fixed">
            <div class="row">
                <div class="col-auto">
                    <a href="javascript:void(0)" target="_self" class="btn btn-light btn-44 menu-btn">
                        <i class="bi bi-list"></i>
                    </a>
                </div>
                <div class="col align-self-center text-center">
                    <div class="logo-small">
                        <img src="assets/img/logo.png" alt="">
                        <h5>FiMobile</h5>
                    </div>
                </div>
                <div class="col-auto">
                    <a href="notifications.php" target="_self" class="btn btn-light btn-44">
                        <i class="bi bi-bell"></i>
                        <span class="count-indicator"></span>
                    </a>
                </div>
            </div>
        </header>
        
<?php include('header.php'); ?>
        
        <div class="main-container container">

<div class="row">
        <div class="col-12 text-center mb-4">
            <h1 class="mb-3 text-color-theme">Apply For New Loan</h1>

<form action="" method="post">
    <label>Loan Amount:</label>
    <input type="number" name="loan_amount" class="form-control text-center mb-3" required>
    
    <label>Purpose:</label>
    <input type="text" name="loan_purpose"  class="form-control text-center mb-3"required>
    
    <label>Term (Months):</label>
    <input type="number" name="loan_term"  class="form-control text-center mb-3" required>
    
    <button type="submit" class="btn btn-primary">Submit Application</button>
</form>

<?php if (isset($success_msg)) echo "<div class='alert alert-success'>$success_msg</div>"; ?>
<?php if (isset($error_msg)) echo "<div class='alert alert-danger'>$error_msg</div>"; ?>

</div>
    </div>

</div>
        
</div>

</main>

<?php include('footer.php'); ?>

<script src="assets/js/jquery-3.3.1.min.js"></script>
    <script src="assets/js/popper.min.js"></script>
    <script src="assets/vendor/bootstrap-5/js/bootstrap.bundle.min.js"></script>

<script src="assets/js/jquery.cookie.js"></script>

<script src="assets/js/main.js"></script>
    <script src="assets/js/color-scheme.js"></script>

<script src="assets/js/pwa-services.js"></script>

<script src="assets/vendor/chart-js-3.3.1/chart.min.js"></script>

<script src="assets/vendor/progressbar-js/progressbar.min.js"></script>

<script src="assets/vendor/swiperjs-6.6.2/swiper-bundle.min.js"></script>

<script src="assets/js/app.js"></script>
<script>
function copyToClipboard(elementId) {
    var text = document.getElementById(elementId).innerText;
    navigator.clipboard.writeText(text).then(function () {
        alert("Copied: " + text);
    }, function (err) {
        alert("Failed to copy: " + err);
    });
}
</script>

</body>

</html>

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