diff --git a/src/screens/Loan/CreateLoanOrderScreen.js b/src/screens/Loan/CreateLoanOrderScreen.js
index 53fa0a6..b5bf3d4 100644
--- a/src/screens/Loan/CreateLoanOrderScreen.js
+++ b/src/screens/Loan/CreateLoanOrderScreen.js
@@ -75,8 +75,25 @@ const CreateLoanOrderScreen = () => {
   const [guarantorPassportSerie, setGuarantorPassportSerie] = useState('');
   const [guarantorPassportId, setGuarantorPassportId] = useState('');
 
+  // Guarantor 2 fields (visible when loan_amount > 20000)
+  const [guarantor2Name, setGuarantor2Name] = useState('');
+  const [guarantor2Surname, setGuarantor2Surname] = useState('');
+  const [guarantor2Patro, setGuarantor2Patro] = useState('');
+
+  const [guarantor2CardNumber, setGuarantor2CardNumber] = useState('');
+  const [guarantor2CardName, setGuarantor2CardName] = useState('');
+  const [guarantor2CardMonth, setGuarantor2CardMonth] = useState('');
+  const [guarantor2CardYear, setGuarantor2CardYear] = useState('');
+
+  const [guarantor2PassportSerie, setGuarantor2PassportSerie] = useState('');
+  const [guarantor2PassportId, setGuarantor2PassportId] = useState('');
+
   const [submitted, setSubmitted] = useState(false);
 
+  // Compute if second guarantor is required (loan amount > 20000)
+  const loanAmountNum = parseInt(loanAmount) || 0;
+  const needsSecondGuarantor = loanAmountNum > 20000;
+
   const req = (l) => `${l} *`;
 
   const [passportOne, setPassportOne] = useState(null);
@@ -119,6 +136,11 @@ const CreateLoanOrderScreen = () => {
     setGuarantorCardNumber(formatted);
   };
 
+  const handleGuarantor2CardNumberChange = (text) => {
+    const formatted = formatCardNumber(text);
+    setGuarantor2CardNumber(formatted);
+  };
+
   useEffect(() => {
     if (user) {
       if (user.passport_serie) setPassportSerie(user.passport_serie);
@@ -159,7 +181,9 @@ const CreateLoanOrderScreen = () => {
 
   const handleSubmit = async () => {
     setSubmitted(true);
-    if (!loanType || !loanAmount || !region || !branchId || !customerName || !customerSurname || !passportSerie || !passportId || !passportGivenAt || !passportGivenBy || !bornAt || !bornPlace || !phone || !phoneHome || !education || !marriageStatus || !passportAddress || !realAddress || !workCompany || !workCompanyAccNum || !workRegion || !workProvinceId || !workPosition || !workSalary || !workStartedAt || !passportOne || !passportTwo || !passportThree || !passportFour || !cardNumber || !cardName || !cardMonth || !cardYear || !guarantorName || !guarantorSurname || !guarantorCardNumber || !guarantorCardName || !guarantorCardMonth || !guarantorCardYear || !guarantorPassportSerie || !guarantorPassportId ) {
+    if (
+      !loanType || !loanAmount || !region || !branchId || !customerName || !customerSurname || !passportSerie || !passportId || !passportGivenAt || !passportGivenBy || !bornAt || !bornPlace || !phone || !phoneHome || !education || !marriageStatus || !passportAddress || !realAddress || !workCompany || !workCompanyAccNum || !workRegion || !workProvinceId || !workPosition || !workSalary || !workStartedAt || !passportOne || !passportTwo || !passportThree || !passportFour || !cardNumber || !cardName || !cardMonth || !cardYear || !guarantorName || !guarantorSurname || !guarantorCardNumber || !guarantorCardName || !guarantorCardMonth || !guarantorCardYear || !guarantorPassportSerie || !guarantorPassportId || (needsSecondGuarantor && ( !guarantor2Name || !guarantor2Surname || !guarantor2CardNumber || !guarantor2CardName || !guarantor2CardMonth || !guarantor2CardYear || !guarantor2PassportSerie || !guarantor2PassportId ))
+    ) {
       Alert.alert('Error', 'Fill all required fields');
       return;
     }
@@ -225,6 +249,22 @@ const CreateLoanOrderScreen = () => {
     appendField('guarantor_passport_serie', guarantorPassportSerie);
     appendField('guarantor_passport_id', guarantorPassportId);
 
+    // Guarantor 2 info
+    if (needsSecondGuarantor) {
+      appendField('guarantor_2_name', guarantor2Name);
+      appendField('guarantor_2_surname', guarantor2Surname);
+      appendField('guarantor_2_patronic_name', guarantor2Patro);
+
+      const rawGuarantor2Card = guarantor2CardNumber.replace(/[^0-9]/g, '');
+      appendField('guarantor_2_card_number', rawGuarantor2Card);
+      appendField('guarantor_2_card_name', guarantor2CardName);
+      appendField('guarantor_2_card_month', guarantor2CardMonth);
+      appendField('guarantor_2_card_year', guarantor2CardYear);
+
+      appendField('guarantor_2_passport_serie', guarantor2PassportSerie);
+      appendField('guarantor_2_passport_id', guarantor2PassportId);
+    }
+
     const addImage = (field, uri) => {
       if (!uri) return;
       const fileName = uri.split('/').pop();
@@ -345,11 +385,29 @@ const CreateLoanOrderScreen = () => {
         <Input label={req('Kartdaky ady')} value={guarantorCardName} onChangeText={setGuarantorCardName} error={submitted && !guarantorCardName} />
         <SelectInput label={req('Möhleti (aý)')} value={guarantorCardMonth} options={monthOptions} onValueChange={setGuarantorCardMonth} placeholder="Saýla" error={submitted && !guarantorCardMonth} />
         <SelectInput label={req('Möhleti (ýyl)')} value={guarantorCardYear} options={yearOptions} onValueChange={setGuarantorCardYear} placeholder="Saýla" error={submitted && !guarantorCardYear} />
-
+    
         {/* Guarantor passport */}
         <SelectInput label={req('Pasport seriýasy')} value={guarantorPassportSerie} options={passportSeriesOptions} onValueChange={setGuarantorPassportSerie} placeholder="Saýla" error={submitted && !guarantorPassportSerie} />
         <Input label={req('Pasport belgisi')} value={guarantorPassportId} onChangeText={setGuarantorPassportId} keyboardType="numeric" error={submitted && !guarantorPassportId} />
-        
+
+        {needsSecondGuarantor && (
+          <>
+            <Text style={[styles.title, { marginTop: 24 }]}>Ikinji zamun barada maglumat</Text>
+
+            <Input label={req('Zamunyň ady')} value={guarantor2Name} onChangeText={setGuarantor2Name} error={submitted && needsSecondGuarantor && !guarantor2Name} />
+            <Input label={req('Zamunyň familiýasy')} value={guarantor2Surname} onChangeText={setGuarantor2Surname} error={submitted && needsSecondGuarantor && !guarantor2Surname} />
+            <Input label="Zamunyň atasynyň ady" value={guarantor2Patro} onChangeText={setGuarantor2Patro} />
+
+            <Input label={req('Kart belgisi')} placeholder="xxxx-xxxx-xxxx-xxxx" value={guarantor2CardNumber} onChangeText={handleGuarantor2CardNumberChange} keyboardType="numeric" error={submitted && needsSecondGuarantor && !guarantor2CardNumber} />
+            <Input label={req('Kartdaky ady')} value={guarantor2CardName} onChangeText={setGuarantor2CardName} error={submitted && needsSecondGuarantor && !guarantor2CardName} />
+            <SelectInput label={req('Möhleti (aý)')} value={guarantor2CardMonth} options={monthOptions} onValueChange={setGuarantor2CardMonth} placeholder="Saýla" error={submitted && needsSecondGuarantor && !guarantor2CardMonth} />
+            <SelectInput label={req('Möhleti (ýyl)')} value={guarantor2CardYear} options={yearOptions} onValueChange={setGuarantor2CardYear} placeholder="Saýla" error={submitted && needsSecondGuarantor && !guarantor2CardYear} />
+
+            <SelectInput label={req('Pasport seriýasy')} value={guarantor2PassportSerie} options={passportSeriesOptions} onValueChange={setGuarantor2PassportSerie} placeholder="Saýla" error={submitted && needsSecondGuarantor && !guarantor2PassportSerie} />
+            <Input label={req('Pasport belgisi')} value={guarantor2PassportId} onChangeText={setGuarantor2PassportId} keyboardType="numeric" error={submitted && needsSecondGuarantor && !guarantor2PassportId} />
+          </>
+        )}
+
         <TouchableOpacity style={styles.submitBtn} onPress={handleSubmit} disabled={loading}>
           {loading ? <ActivityIndicator color={COLORS.white} /> : <Text style={styles.submitText}>Ýatda sakla</Text>}
         </TouchableOpacity>