diff --git a/app/Models/Tenants/Loan.php b/app/Models/Tenants/Loan.php
index c769300..cd10527 100644
--- a/app/Models/Tenants/Loan.php
+++ b/app/Models/Tenants/Loan.php
@@ -219,10 +219,14 @@ public function getElapsedDaysAttribute(): int
     // =========================================================================
 
     /**
-     * 수정 가능 여부 (미정산 상태만)
+     * 수정 가능 여부 (미정산 상태 또는 상품권)
      */
     public function isEditable(): bool
     {
+        if ($this->category === self::CATEGORY_GIFT_CERTIFICATE) {
+            return true;
+        }
+
         return in_array($this->status, [
             self::STATUS_OUTSTANDING,
             self::STATUS_HOLDING,
@@ -230,10 +234,14 @@ public function isEditable(): bool
     }
 
     /**
-     * 삭제 가능 여부 (미정산/보유 상태만)
+     * 삭제 가능 여부 (미정산/보유 상태 또는 상품권)
      */
     public function isDeletable(): bool
     {
+        if ($this->category === self::CATEGORY_GIFT_CERTIFICATE) {
+            return true;
+        }
+
         return in_array($this->status, [
             self::STATUS_OUTSTANDING,
             self::STATUS_HOLDING,