Item Lending

Item Lending is a feature released on 14 July 2008 that allows all players (free and members) to lend their items to friends for up to 24 hours, or until either player logs out. Jagex first announced the development of Item Lending on the 17th of December, 2007 in its Future Changes to Recent Updates article.

On 29 July 2008, Item Lending was updated so that players needed to send a trade request to lend an item. Doing this will open the trade interface, where players can right-click on an item and choose to "Lend" it. This update was introduced by Jagex to prevent players from scams via trust trading, and also because the unbalanced trade restriction prevented players from lending some items.

Lending
 To lend an item to a player, one needs to send a trade request to the other. Once the trade interface is open, the item can be lent by right-clicking and choosing the "Lend" option. This will put the item into the "Loan" box, showing the item is kept by the player.

The default loan duration is "Until log-out", but this can be changed by clicking on the button and typing the desired duration (between 1–24 hours) for the loan. If the player wished to lend the item until either player logs off, the duration should be set to "0" (zero) or click until it says "Until Logout".

After setting the duration, both players need to accept the "trade", and the item will be transferred to the other player. Some players rent certain rare items (ex. godswords and party hats) and may make a considerable amount of money from it, and renting may even end up paying for the item after a few hundred "rents."

The player being lent to will get a warning a minute before the item is returned, and one when the item is returned.

Note that only one item can be lent at a time.

North of the Grand Exchange (Worlds 2 and 6) is widely regarded as the "item lending" area. For free players, the best item lending/borrowing area is the Grand Exchange entrance on World 1. There are also some clan chats for item lending purposes, and many players lend on the forums.

Borrowing
When an item is offered in the trade interface, the lent item will appear in the "Loan" box and the loan duration will be shown just below the item. The borrower may choose to lend another item in return, or offer coins for the loan of the item. However, this is not required, as the item can be borrowed for free. Once both players have accepted the trade, the item will be lent to the borrower.

NOTE: When borrowing an item, to find out how long you have left before the item is returned, unequip the item and use the discard option. The result will display in a dialogue over the conversation pane.

NOTE: The coins (or other items) used for Item Lending will NOT be refunded when the item being borrowed is returned to its original owner.

WARNING: The item being borrowed will be protected above all other items, even if the item is lower in terms of value compared to other items. If the player is unable to retain any items (i.e. skulled), then the item is returned to the lender.

Trade limits
The trade limit will not be affected if the item is lent for free. However, if coins (or other items) are offered in exchange, all items but those being lent will count towards the trade limit

Discarding
A player may discard an item (unwield, right-click and "discard") that is no longer required. A dialogue box will appear to show the remaining time and also give the option to discard the borrowed item. Should a player go ahead and discard it, he will be unable to retrieve it again for the remaining time of the loan. The lending player will be unable to retrieve the item until the full time of the loan is up (and thus will not be informed if it is discarded).

Collecting
Chatting with the banker will enable the collection of borrowed items, similar to the collection from the Grand Exchange. The option to choose is "I'd like to see my Returned Items box." Doing this will bring up an interface that shows the borrowed item which needs to be collected.

With the Item Lending update, items may be collected from wandering bankers such as those outside activities like Bounty Hunter and Fist of Guthix. Note: You can now retrieve your lent items from the Duel arena travelling banker, which in the past was not possible.

When lending items out for a specific duration of time, you will NOT get your item back under any circumstances until the specified time limit is over. If you choose the "Demand" option on the item in your Returned Items box, you will be told how much time is remaining until you can retrieve your lent item. This is also the case if the borrowing player 'Discards' the item before the time is up; you still have to wait for the full duration.

If you choose to "Demand" your item while it is lent until logout, then you can regain your item immediately.

Unfortunately, you cannot retrieve your lent items from bank chests.

Using an item on the rightful owner also returns the item. This only works for "until log out" situations, and will return the item directly to the inventory.

Locations
Bounty Hunter, PvP worlds and Free For All Dangerous are the only places lent items cannot be taken into.

Some of the places items cannot be lent or borrowed in are: However, if you wish you may take a lent item into a PvP or Bounty Hunter world and keep it in your bank, but this has no effect and is not commonly done.
 * Chamber of Koschei the Deathless underneath Rellekka
 * Barbarian Assault
 * Fist of Guthix
 * Tears of Guthix

Item symbol
All borrowed items have a red symbol added to the item to differentiate between the borrowed item and the other regular items.


 * {| class="wikitable" style="text-align:center"

! Borrowed item !! Regular item
 * Lent item.png || [[File:Santa hat.PNG]]
 * }
 * }

Weapons

 * Abyssal whip
 * Ancient staff
 * Composite bows - willow, yew and magic
 * Dark bow
 * Dragon hatchet, battleaxe, halberd, longsword, mace, claws, scimitar, two-handed sword, pickaxe, dagger and spear (including poisoned versions of last two).
 * Godsword (all types)
 * Granite maul
 * Longbows - maple, yew and magic
 * Rune hatchet, battleaxe, longsword, pickaxe, scimitar, warhammer, and 2h sword
 * Runite crossbow
 * Saradomin sword
 * Seercull
 * Shortbows - maple, yew and magic
 * Staff of light
 * Zamorakian spear

Armour

 * Amulet of fury
 * Archer helm
 * Archers' ring
 * Armadyl armour - helmet, chestplate and plateskirt
 * Bandos armour - chestplate, boots and tasset
 * Berserker helm
 * Berserker ring
 * Dragon armour - boots, chainbody, platebody, full helm, medium helm, platelegs, plateskirt and square shield
 * Dragonhide armour - green, blue, red and black dragonhide body, chaps or vambraces
 * Farseer helm
 * God armour Guthix, Saradomin and Zamorak full helm, kiteshield, platebody, platelegs and plateskirt
 * Granite body helm, legs and shield
 * Wizard boots
 * Mystic robes - boots, gloves, hat, robe bottom, robe top (including dark and light variants)
 * Obsidian cape
 * Ranger boots
 * Robin hood hat
 * Rockshell armour - helm, platebody, legs, gloves and boots
 * Rune armour - full helm, kiteshield, platebody, platelegs and plateskirt,
 * Seers' ring
 * Skeletal armour - boots, bottom, gloves, helm and top
 * Spined armour - body, boots, chaps, gloves and helm
 * Splitbark armour - body, boots, gauntlets, helm and legs
 * Third Age helmet, kiteshield, platebody and platelegs
 * Third Age mage hat, amulet, robe top and robe bottom
 * Third Age ranger coif, top, legs and vambraces
 * Warrior helm
 * Warrior ring

Others

 * Animal masks - all types
 * Beret - all colours
 * Cavalier and mask
 * Cavalier hats
 * Flared trousers
 * Halloween mask - all colours
 * Headband - all colours
 * Highwayman mask
 * Pantaloons
 * Party hat - all colours
 * Powdered wig
 * Santa hat
 * Sleeping cap
 * Top hat
 * Zamorak robe top

Common items that can't be borrowed/lent

 * Runes
 * Coins
 * Barrows Equipment
 * Spirit Shields (all kinds)
 * Dwarf Multicannon (set or separate)
 * Dragonfire shield
 * Food
 * Vestments
 * Any kind of degradable armour.

Glitches

 * There used to be a glitch allowing item duplication where a player with a lent item can repeatedly click an emote while the lender logs out, when the lender logs back in they can pick their item up from the bank. However the person with the lent item will still have it in their inventory any action such as moving or engaging in combat will cause the item to disappear. The effects are purely cosmetic however as the lent item becomes a "Dummy" and the lender will not receive a duplicate of the item once the lender's item disappears.

Trivia

 * There is a rumour that, in the initial hours of release, players found out they could dismantle godswords into a blade and hilt, with only the blade returning to the owner.
 * Any two players with similar rare items (e.g. party hats, halloween masks, and Santa hats) who wish to safely take their rares into a dangerous area may take advantage of the item lending system to help them keep their items safe. They are able to lend each other their rares, and if either of them die they will save the rare over all other items.
 * If a player tries to cast alchemy on a borrowed item, a message will appear saying "That's not your property."
 * The icon for a borrowed item used to overlap the item; now, the item overlaps the icon.
 * Sometimes when an item is lent only the red icon appears without the item's image; re-logging resolves the problem.