> For the complete documentation index, see [llms.txt](https://docs.lenme.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.lenme.com/reference/offer-loan-requests.md). # Offer Loan Requests ## HTTPS Request `POST` `https://api.lenmo.app/api/v3/loan_requests/{id}/make_offer/` #### Path Parameters | Name | Type | Description | | ------------------------------------ | ---- | ---------------------------------- | | id\* | Long | The loan request id to be offered. | #### Headers | Name | Type | Description | | --------------------------------------------- | ------ | --------------------------------------------------------------------------- | | Accept | String | The content type of the response. | | X-API-KEY\* | String | The API key that gives the user the authentication to perform this request. | | X-Timestamp\* | String | The timestamp of the request. | | X-HMAC\* | String | The HMAC generated for the request. | #### Request Body | Name | Type | Description | | --------------------------------------------------- | ------- | -------------------------------------------------------------------------------------------------------------------------- | | offered\_interest\* | Float | A Float value between 0.03 and 2.0 | | automate\_fund | Boolean | Boolean flag to specify whether to automatically fund the loan after offer acceptance (defaults to false if not provided). | {% tabs %} {% tab title="201: Created An offer is created for that loan request." %} ```json { "id": 1, "offered_interest": 0.03, "offer_status": "pending", "lender": { // ...lender data... }, "loan_request": { // ...loan request data... }, "monthly_payment": 100, "loan_gain": 100.02, "created": "2022-05-27T10:37:14.658672Z", "offer_status_changed": "2020-05-06 17:25:01 Etc/GMT", "processed_on_dwolla": true, "automate_fund": true } ``` {% endtab %} {% tab title="403: Forbidden Permission Denied " %} 1. If authentication credentials are invalid ```json { "detail": "Authentication credentials were not provided." } ``` 2. If the investor is currently borrowing ```json { "message": "Borrower can not offer." } ``` {% endtab %} {% tab title="400: Bad Request" %} **Cases:** 1. Offered interest is more than the loan request max interest rate ```json { "message": "The maximum interest rate allowed for this loan request is {loan_request_max_interest_rate}" } ``` 2. The investor does not have sufficient balance to offer the loan (applicable only if automate\_fund is True). 
{
       "message": "Your balance isn't enough to offer this loan. Please add {REQUIRED_AMOUNT} to proceed."
   }
3. The loan request has been canceled ```json { "message": "This Loan Request has been Canceled" } ``` 4. The loan request has been signed ```json { "message": "You can't make an offer to a Signed Loan Request" } ``` 5. The investor already made an offer for this loan request 
{
       "message": "You have already made an offer for this Loan Request"
   }
6. Borrower accepted another offer ```json { "message": "You can't make an offer as the borrower has already accepted another offer" } ``` 7. The investor has no verified bank account. ```json { "message": "We cannot process this request as it appears that your bank account has not been verified. Please verify your bank account and try again later." } ``` {% endtab %} {% endtabs %} #### Sample Request {% tabs %} {% tab title="cURL" %} ```sh curl -X POST "https://api.lenmo.app/api/v3/loan_requests/$loan_request_id/make_offer/" \ -H "accept: application/json" \ -H "Content-Type: application/json" \ -H "X-API-KEY: YOUR_API_KEY" \ -H "X-Timestamp: REQUEST_TIMESTAMP" \ -H "X-HMAC: REQUEST_HMAC" -d '{ "offered_interest": 0.3, "automate_fund": true }' ``` {% endtab %} {% tab title="Python" %} {% code overflow="wrap" %} ```python import requests lq_id = 126315 url = "https://api.lenmo.app/api/v3/loan_requests/{}/make_offer/".format(lq_id) headers = { "Accept": "application/json", "X-API-KEY": "YOUR_API_KEY", "X-Timestamp": "REQUEST_TIMESTAMP", "X-HMAC": "REQUEST_HMAC", } body = {"offered_interest": 1, "automate_fund": True} r = requests.post(url, json=body, headers=headers) print(r.text) ``` {% endcode %} {% endtab %} {% tab title="Java" %} ```java import java.io.OutputStream; import java.net.HttpURLConnection; import java.net.URL; public class Main { public static void main(String[] args) { try { int lqId = 126315; String urlString = "https://api.lenmo.app/api/v3/loan_requests/" + lqId + "/make_offer/"; URL url = new URL(urlString); HttpURLConnection connection = (HttpURLConnection) url.openConnection(); connection.setRequestMethod("POST"); connection.setRequestProperty("Accept", "application/json"); connection.setRequestProperty("X-API-KEY", "YOUR_API_KEY"); connection.setRequestProperty("X-Timestamp", "REQUEST_TIMESTAMP"); connection.setRequestProperty("X-HMAC", "REQUEST_HMAC"); connection.setRequestProperty("Content-Type", "application/json; utf-8"); connection.setDoOutput(true); String jsonInputString = "{\"offered_interest\": 1}"; try(OutputStream os = connection.getOutputStream()) { byte[] input = jsonInputString.getBytes("utf-8"); os.write(input, 0, input.length); } BufferedReader in = new BufferedReader(new InputStreamReader(connection.getInputStream(), "utf-8")); String inputLine; StringBuilder response = new StringBuilder(); while ((inputLine = in.readLine()) != null) { response.append(inputLine); } in.close(); System.out.println(response.toString()); } catch (Exception e) { e.printStackTrace(); } } } ``` {% endtab %} {% tab title="Ruby" %} ```ruby require 'net/http' require 'json' require 'uri' lq_id = 126315 url = URI("https://api.lenmo.app/api/v3/loan_requests/#{lq_id}/make_offer/") http = Net::HTTP.new(url.host, url.port) http.use_ssl = true request = Net::HTTP::Post.new(url) request["Accept"] = "application/json" request["X-API-KEY"] = "YOUR_API_KEY" request["X-Timestamp"] = "REQUEST_TIMESTAMP" request["X-HMAC"] = "REQUEST_HMAC" request.body = { offered_interest: 1 }.to_json response = http.request(request) puts response.body ``` {% endtab %} {% tab title="Node.Js" %} ```javascript const fetch = require('node-fetch'); const lqId = 126315; const url = `https://api.lenmo.app/api/v3/loan_requests/${lqId}/make_offer/`; const headers = { "Accept": "application/json", "X-API-KEY": "YOUR_API_KEY", "X-Timestamp": "REQUEST_TIMESTAMP", "X-HMAC": "REQUEST_HMAC", "Content-Type": "application/json", }; const body = { offered_interest: 1 }; fetch(url, { method: 'POST', headers: headers, body: JSON.stringify(body) }) .then(response => response.text()) .then(data => console.log(data)) .catch(error => console.error('Error:', error)); ``` {% endtab %} {% tab title="PHP" %} ```php 1 ]); $ch = curl_init(); curl_setopt($ch, CURLOPT_URL, $url); curl_setopt($ch, CURLOPT_RETURNTRANSFER, true); curl_setopt($ch, CURLOPT_HTTPHEADER, $headers); curl_setopt($ch, CURLOPT_POST, true); curl_setopt($ch, CURLOPT_POSTFIELDS, $body); $response = curl_exec($ch); if (curl_errno($ch)) { echo 'Error:' . curl_error($ch); } else { echo $response; } curl_close($ch); ?> ``` {% endtab %} {% endtabs %} #### Response Parameters | Parameter | Type | Description | | ---------------------------------------------------------- | ------- | ------------------------------------------------------------------------ | | id | Long | Offer id | | offered\_interest | Float | The interest rate of the offer | | offer\_status | String | Status of the offer .e.g `pending`, `accepted`, `rejected`, `expired` .. | | lender | Dict | Contains lender data for loan | | [loan\_request](/reference/list-borrowers-loan-request.md) | Dict | Contains loan request details for this offer | | monthly\_payment | Float | Monthly payment of the offer | | loan\_gain | Float | The loan gain of the offered loan request | | created | Date | UTC time of the offer creation on the database | | offer\_status\_changed | Date | UTC time of the last action took on this offer | | processed\_on\_dwolla | Boolean | Status of transfer associated with the offer |