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When it fires
offer.created is emitted when a loan offer is generated after approval. A redelivery of the same occurrence carries the same event id.
If your endpoint does not return a 2xx within the timeout, delivery is retried on an exponential backoff schedule — see Webhook delivery and retries. Design your handler to be idempotent so a redelivered event is safe to process twice.
Example delivery
{
"id": "evt_OFFE9Z",
"type": "offer.created",
"created": "2026-07-05T12:00:00Z",
"livemode": true,
"api_version": "2026-07-01",
"data": {
"object": {
"id": "off_6P1K3",
"decision_id": "dec_5H2N8",
"amount": 25000,
"currency": "GBP",
"term_months": 12,
"expires_at": "2026-07-18T23:59:59Z"
}
}
}Handling it
A common handler will present the offer to the customer. Verify the signature, acknowledge with 200 within 10 seconds, then work asynchronously. Guard against out-of-order delivery using the created timestamp, and re-fetch the resource from the API if you need its live state.
Frequently asked questions
Can offer.created arrive out of order?
Yes. Webhook delivery is unordered — a retried event can arrive after a newer one. Reconcile with the created timestamp. See Handle out-of-order webhooks.
Should I act on offer.created alone?
Treat it as a nudge. For anything that changes money or state on your side, re-read the offer from the API to confirm current state before acting.
Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.