---
title: "FAQs"
description: "Frequently asked questions about the iwoca Lending API"
---

> For the complete documentation index, see [llms.txt](/llms.txt).

<AccordionGroup>
  <Accordion title="How can I change my application?">
    You can update a customer's application if anything changes (for example, they want to request a different amount).

    Use the `PATCH /applications/` endpoint – send the information that has changed in the request body, and the `customer_id` in the request URL.

    <Info>
    You need to regenerate offers if information about the customer or their application has changed.
    </Info>
  </Accordion>

  <Accordion title="What does it mean for an application to be open or closed?">
    An open application usually means a decision hasn't been made yet, or more information is needed.

    A closed application is one where:

    - A decision has been made and an offer has been returned.
    - A decision has been made and the customer has been declined.
    - The application has timed out or been deferred after no action was taken.

    <Info>
    The status returned with offers tells you what is happening with your customer's application.
    </Info>
  </Accordion>

  <Accordion title="How can I reapply?">
    A customer can always reapply – just send through a new application with what they're looking for.
  </Accordion>

  <Accordion title="Do I need to keep track of the customer_id?">
    Yes.
    The `customer_id` is a unique identifier for each customer in iwoca's systems.
    You need it for all future actions related to that customer.

    If you create a duplicate customer, it creates an internal block that stops iwoca from returning a decision until someone resolves the block.
    Always store and reuse the `customer_id` to avoid this.
  </Accordion>

  <Accordion title="How does /offers/ decide what to show?">
    The `/offers/` endpoint takes into account information about your customer, what they requested in their application, and what iwoca might be able to lend them.

    You'll receive confirmed or indicative offers if iwoca thinks it can lend to your customer.
    If a decision can't be made yet, you'll get a status instead.

    If the customer can't be lent to, you'll receive a `decline` status.
  </Accordion>

  <Accordion title="What happens if the customer is declined?">
    You'll receive a `decline` status and the application will be closed.
    See the [Offers](/api-reference/offers/overview) API reference for more detail.
  </Accordion>
</AccordionGroup>