Rate Limits
To ensure fair usage and system stability, the Lenders API implements rate limiting on certain endpoints.Current Limits
- Rate: 100 requests per 60 seconds
- Scope: Per partner (each partner has their own limit)
Rate Limited Endpoints
The following endpoints are subject to rate limiting:POST /v1/loans- Creating loan applicationsGET /v1/loans/{id}- Retrieving loan application detailsPATCH /v1/loans/{id}/shop- Shopping for loan applications
What Happens When You Hit the Limit
When you exceed the rate limit, you’ll receive a429 Too Many Requests response with the message “Rate limit exceeded”. The rate limit is enforced per partner, so different partners won’t affect each other’s limits.
Best Practices
- Implement exponential backoff when you receive rate limit errors
- Monitor your request patterns to stay within limits
- Consider the timing of your requests to avoid hitting limits during peak usage